📋 Credit Summary — Pre-Interview Brief

FAREL AKBAR NUGRAHA PUTRA · KTP: 3175050211991001 · Generated: 10 May 2026, 15:26 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 23,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=79.1%, FOIR=10.5%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	JAKARTA SELATAN, 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	2 years	✓ Pass
Total Work Experience	≥ 3 years	6 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 19,000,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 23,000,000	Rp 2,000,000
Bureau (AFPI + CLIK)	Rp 844,744,266	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 0

AFPI Bureau Analysis 43 loans · Rp 137.401.302 outstanding · 5 Pinjol(s)

Collectibility × Loan Status (Count)

	L	O
DPD 0	38	—
DPD 1-30	—	3
DPD 61-90	—	1
DPD 90+	—	1

Collectibility × Loan Status (Outstanding Loan Value)

	L	O
DPD 0	Rp 0	—
DPD 1-30	—	Rp 33.216.667
DPD 61-90	—	Rp 12.498.000
DPD 90+	—	Rp 91.686.635

Year × Loan Status (Count)

	L	O
2023	28	—
2024	7	—
2025	3	5

Year × Collectibility Status (Count)

	DPD 0	DPD 1-30	DPD 61-90	DPD 90+
2023	28	—	—	—
2024	7	—	—	—
2025	3	3	1	1

CLIK Bureau Analysis 52 loans · Rp 707.342.964 debit balance · DPD mean 0.15, max 8.0 days

Secured: 3 loans, Rp 371.074.010 · Unsecured: 49 loans, Rp 336.268.954 · Total disbursed (Initial Credit Limit): Rp 1.205.022.283

CLIK — Combined (secured + unsecured)

CLIK — Secured

CLIK — Unsecured

Credit Ratios

Metric	Value	Band	Benchmark
TOIR (Post-Consolidation Affordability) PRIMARY	79.07%	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	10.53%	Green	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	370.50%	Amber	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	3.71x	Amber	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp 13,000,000	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	Month 1	Month 2	Month 3	Avg/Mo
Miscellaneous	Rp -15,320,926	Rp -9,008,000	Rp -25,264,463	Rp -49,593,389
Cash Withdrawal	Rp -100,000	Rp 0	Rp -2,650,000	Rp -2,750,000
Transport	Rp -1,777,353	Rp -37,920	Rp -559,340	Rp -2,374,613
Cash Deposit	Rp 250,000	Rp 0	Rp 0	Rp 250,000
Bank Charges	Rp -10,000	Rp -10,000	Rp -15,000	Rp -35,000

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

Employer · PT May Sun Yvan  Confidence: Unknown

Profile	Unknown - no information available about this 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 · FAREL AKBAR NUGRAHA PUTRA  Confidence: Low

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Senior
Tenure observation	Job title 'Legal Senior Officer' aligns with stated 2-4 year tenure at company
Declared income (IDR/mo)	Rp 19,000,000
Expected range for role	12-25 million IDR/month for a senior legal officer in Jakarta
Plausibility verdict	Plausible
Comment	Income level reasonable for senior legal role in Jakarta with 6-10 years total experience

Policy Implications (high-confidence only)

Category	Severity	Note
Stability	Medium	Employer verification required as PT May Sun Yvan is not in known company database

Disclaimer: Assessment based solely on training data without live verification. Employer and applicant details require independent verification.

Risk Factors

Category	Severity	Description
Bureau	High	Massive debt underdisclosure: Customer declared IDR 23M but bureau shows IDR 844.7M total outstanding (3,568% gap). This indicates either deliberate concealment or complete lack of financial awareness.
Bureau	High	Active delinquency across multiple paylater providers: 5 active loans with DPD issues including Danabijak at DPD 90+, Indodana at DPD 61-90, and three others at DPD 1-30.
Bureau	High	Extreme debt burden: DTI of 370.5% and total outstanding of IDR 844.7M against declared annual income of IDR 228M represents unsustainable leverage.
Income	High	No salary detected in bank statements despite claiming IDR 19M monthly income. Average monthly salary shows IDR 0, indicating potential income fabrication.
Banking	Medium	Limited banking data (1 month) with high outflows (IDR 54.7M monthly average) and no identifiable loan payments despite massive declared obligations.
Application	Medium	Unknown employer 'PT May Sun Yvan' requires verification. No company profile available in database raises employment authenticity concerns.
Behavioural	Medium	Pattern of serial borrowing across multiple fintech platforms (Gopay, Julo, Indodana, Danabijak) with deteriorating payment discipline suggests addiction to credit.

Executive Summary

STRONG DECLINE RECOMMENDATION. This application presents multiple critical red flags that make it unsuitable for debt consolidation. The customer has severely underdisclosed their debt burden (IDR 23M declared vs IDR 844.7M actual), shows active delinquency across multiple lenders, and has no verifiable salary income in bank statements despite claiming IDR 19M monthly. The debt-to-income ratio of 370% is unsustainable, and the pattern of serial borrowing with deteriorating payment discipline indicates high re-leveraging risk. The unknown employer adds further uncertainty. This profile represents exactly the type of customer debt consolidation should avoid - someone already overwhelmed by debt with questionable income verification.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address at Sevilla Residence B9, RT 4 RW 3, Lebak Bulus? How long have you lived there and do you own or rent this property?
   Why: Address verification and housing stability assessment
2. You mentioned having zero dependents. Can you confirm this - no children, elderly parents, or other family members you financially support?
   Why: Verify declared dependency load which affects disposable income
3. Tell me about PT May Sun Yvan - what does the company do, how many employees, and what is your specific role as Legal Senior Officer?
   Why: Employer verification as company is unknown in our database
4. Can you provide your direct supervisor's name and contact number at PT May Sun Yvan for employment verification?
   Why: Enable third-party employment verification given unknown employer

Debt Background

1. You declared IDR 23 million in existing loans, but our bureau check shows much higher debt levels across multiple lenders including Gopay, Julo, Indodana, and Danabijak. Can you explain this significant difference?
   Why: Address the massive 3,568% gap between declared and actual debt
2. Several of your paylater loans show late payments, including one that's 90+ days overdue with Danabijak. What caused these payment delays and how are you managing them currently?
   Why: Understand delinquency patterns and current payment capacity
3. Why do you want to consolidate your debts now, and how do you plan to avoid taking additional loans after consolidation?
   Why: Assess consolidation motivation and re-leveraging risk given serial borrowing pattern

Income

1. Your payslips show IDR 19 million monthly salary, but we don't see regular salary credits in your bank statement. Which account do you receive your salary in and why isn't it showing in the provided statement?
   Why: Critical income verification as bank shows zero salary despite high declared income
2. Are there any delays in salary payments at PT May Sun Yvan? Do you receive bonuses or allowances beyond the base salary?
   Why: Understand income timing and additional compensation components
3. Do you have any side income, freelance work, or business activities beyond your main job that contribute to your monthly income?
   Why: Identify additional income sources that might explain spending patterns

Expense Validation

1. You declared IDR 4 million monthly expenses, but your bank shows IDR 54.7 million average monthly outflows. Can you break down where this money is going?
   Why: Massive gap between declared expenses and actual outflows needs explanation
2. The bank statement shows large miscellaneous transactions totaling IDR 49.6 million over 3 months. What are these payments for?
   Why: Understand the nature of large unidentified transactions

Future Plans

1. Do you have any assets, investments, or expected lump sum payments (bonus, inheritance, property sale) that could help with debt repayment?
   Why: Assess additional repayment capacity beyond regular income
2. Given your current debt situation, what specific changes will you make to your spending and borrowing habits to ensure successful loan repayment?
   Why: Evaluate commitment to financial discipline and realistic repayment plan

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-10T15:26:34.684543