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📋 Credit Summary — Pre-Interview Brief
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\n FAREL AKBAR NUGRAHA PUTRA · KTP: 3175050211991001 ·\n Generated: 10 May 2026, 15:26 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: jbjb
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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 23,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=79.1%, FOIR=10.5% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n JAKARTA SELATAN, 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 2 years | \n ✓ Pass |
\n | Total Work Experience | ≥ 3 years | \n 6 years | \n ✓ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 19,000,000 | \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 23,000,000 | \n Rp 2,000,000 |
\n | Bureau (AFPI + CLIK) | \n Rp 844,744,266 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 0 |
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\n ⚠️ Customer underdeclared debt:\n Customer declared Rp 23,000,000 but bureau shows\n Rp 844,744,266 —\n gap of Rp 821,744,266. Probe in interview.\n
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AFPI Bureau Analysis\n \n 43 loans ·\n Rp 137.401.302 outstanding ·\n 5 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 | Danabijak | 1 | Rp 91.686.635 |
| Gopay Later / Gopay Pinjam | 7 | Rp 17.800.000 |
| Julo | 2 | Rp 15.416.667 |
| Indodana | 32 | Rp 12.498.000 |
| YUP Paylater / Samakita | 1 | 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 1-30 | 3 |
| DPD 0 | 38 |
| DPD 61-90 | 1 |
| DPD 90+ | 1 |
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Collectibility × Loan Status (Count)
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| L | O |
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| DPD 0 | 38 | — |
| DPD 1-30 | — | 3 |
| DPD 61-90 | — | 1 |
| DPD 90+ | — | 1 |
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Collectibility × Loan Status (Outstanding Loan Value)
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| L | O |
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| DPD 0 | Rp 0 | — |
| DPD 1-30 | — | Rp 33.216.667 |
| DPD 61-90 | — | Rp 12.498.000 |
| DPD 90+ | — | Rp 91.686.635 |
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Year × Loan Status (Count)
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Year × Collectibility Status (Count)
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| DPD 0 | DPD 1-30 | DPD 61-90 | DPD 90+ |
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| 2023 | 28 | — | — | — |
| 2024 | 7 | — | — | — |
| 2025 | 3 | 3 | 1 | 1 |
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CLIK Bureau Analysis\n \n 52 loans ·\n Rp 707.342.964 debit balance ·\n DPD mean 0.15, max 8.0 days\n \n
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\n Secured: 3 loans, Rp 371.074.010 ·\n Unsecured: 49 loans, Rp 336.268.954 ·\n Total disbursed (Initial Credit Limit): Rp 1.205.022.283\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 | 51 | 1 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 698.166.065 |
| DPD 1-89 | Rp 9.176.899 |
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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 404.383.375 |
| Credit Card | Rp 103.022.824 |
| Credit to third parties through other agencies by channeling | Rp 71.330.963 |
| Cash Loan - Non Fintech (i.e. Banks) | Rp 60.098.154 |
| Others - Fintech | Rp 46.018.476 |
| Loans for joint financing (Syndication) | Rp 12.447.392 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 10.041.780 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Financing Company | Rp 368.795.469 |
| Conventional Commercial Bank | Rp 292.529.019 |
| Fintech | Rp 46.018.476 |
| Islamic Banks (Unit Usaha Syariah - Syariah Business Unit) | Rp 0 |
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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 | 3 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 371.074.010 |
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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 358.626.618 |
| Loans for joint financing (Syndication) | Rp 12.447.392 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Financing Company | Rp 358.753.689 |
| Conventional Commercial Bank | Rp 12.320.321 |
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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 | 48 | 1 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 327.092.055 |
| DPD 1-89 | Rp 9.176.899 |
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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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| Credit Card | Rp 103.022.824 |
| Credit to third parties through other agencies by channeling | Rp 71.330.963 |
| Cash Loan - Non Fintech (i.e. Banks) | Rp 60.098.154 |
| Others - Fintech | Rp 46.018.476 |
| Others | Rp 45.756.757 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 10.041.780 |
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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 280.208.698 |
| Fintech | Rp 46.018.476 |
| Financing Company | Rp 10.041.780 |
| Islamic Banks (Unit Usaha Syariah - Syariah Business Unit) | Rp 0 |
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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 79.07% | \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 10.53% | \n Green | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 370.50% | \n Amber | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 3.71x | \n Amber | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp 13,000,000 | \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 | Month 1 | Month 2 | Month 3 | Avg/Mo |
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\n \n | Miscellaneous | \n Rp -15,320,926 | \n Rp -9,008,000 | \n Rp -25,264,463 | \n Rp -49,593,389 |
\n | Cash Withdrawal | \n Rp -100,000 | \n Rp 0 | \n Rp -2,650,000 | \n Rp -2,750,000 |
\n | Transport | \n Rp -1,777,353 | \n Rp -37,920 | \n Rp -559,340 | \n Rp -2,374,613 |
\n | Cash Deposit | \n Rp 250,000 | \n Rp 0 | \n Rp 0 | \n Rp 250,000 |
\n | Bank Charges | \n Rp -10,000 | \n Rp -10,000 | \n Rp -15,000 | \n Rp -35,000 |
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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 May Sun Yvan\n Confidence: Unknown\n
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\n | 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 | — |
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\n Applicant · FAREL AKBAR NUGRAHA PUTRA\n Confidence: Low\n
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\n | 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 |
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Policy Implications (high-confidence only)
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\n | Category | Severity | Note |
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\n | Stability | Medium | Employer verification required as PT May Sun Yvan is not in known company database |
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\n Disclaimer: Assessment based solely on training data without live verification. Employer and applicant details require independent verification.\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Bureau | \n High | \n 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 | \n High | \n 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 | \n High | \n 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 | \n High | \n No salary detected in bank statements despite claiming IDR 19M monthly income. Average monthly salary shows IDR 0, indicating potential income fabrication. |
| Banking | \n Medium | \n Limited banking data (1 month) with high outflows (IDR 54.7M monthly average) and no identifiable loan payments despite massive declared obligations. |
| Application | \n Medium | \n Unknown employer 'PT May Sun Yvan' requires verification. No company profile available in database raises employment authenticity concerns. |
| Behavioural | \n Medium | \n Pattern of serial borrowing across multiple fintech platforms (Gopay, Julo, Indodana, Danabijak) with deteriorating payment discipline suggests addiction to credit. |
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Executive Summary
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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.
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Interview Question Bank (14 questions)
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Verification
- \n 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?\n
Why: Address verification and housing stability assessment\n - \n You mentioned having zero dependents. Can you confirm this - no children, elderly parents, or other family members you financially support?\n
Why: Verify declared dependency load which affects disposable income\n - \n 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?\n
Why: Employer verification as company is unknown in our database\n - \n Can you provide your direct supervisor's name and contact number at PT May Sun Yvan for employment verification?\n
Why: Enable third-party employment verification given unknown employer\n
Debt Background
- \n 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?\n
Why: Address the massive 3,568% gap between declared and actual debt\n - \n 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?\n
Why: Understand delinquency patterns and current payment capacity\n - \n Why do you want to consolidate your debts now, and how do you plan to avoid taking additional loans after consolidation?\n
Why: Assess consolidation motivation and re-leveraging risk given serial borrowing pattern\n
Income
- \n 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?\n
Why: Critical income verification as bank shows zero salary despite high declared income\n - \n Are there any delays in salary payments at PT May Sun Yvan? Do you receive bonuses or allowances beyond the base salary?\n
Why: Understand income timing and additional compensation components\n - \n Do you have any side income, freelance work, or business activities beyond your main job that contribute to your monthly income?\n
Why: Identify additional income sources that might explain spending patterns\n
Expense Validation
- \n 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?\n
Why: Massive gap between declared expenses and actual outflows needs explanation\n - \n The bank statement shows large miscellaneous transactions totaling IDR 49.6 million over 3 months. What are these payments for?\n
Why: Understand the nature of large unidentified transactions\n
Future Plans
- \n Do you have any assets, investments, or expected lump sum payments (bonus, inheritance, property sale) that could help with debt repayment?\n
Why: Assess additional repayment capacity beyond regular income\n - \n Given your current debt situation, what specific changes will you make to your spending and borrowing habits to ensure successful loan repayment?\n
Why: Evaluate commitment to financial discipline and realistic repayment plan\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: 2026-05-10T15:26:34.684543\n
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