📋 Credit Summary — Pre-Interview Brief

Swadyka Saputra Ridwan · KTP: 3174010412890001 · Generated: 11 May 2026, 18:54 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 100,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=70.7%, FOIR=458.3%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA JAKARTA SELATAN, 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 KONTRAK	✗ Fail
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	10 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 12,000,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 102,500,000	Rp 55,000,000
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	70.67%	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	458.33%	Red	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	90.08%	Green	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	0.90x	Green	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp -47,000,000	Red	> IDR 5M Green | 2-5M Amber | < 2M Red
Bank-detected vs Declared Income	114.50%	Green	≥ 90% Green | 75-90% Amber | < 75% Red

Bank Statement Category Pivot (Top 12 by Volume)

Category	02/2026	03/2026	04/2026	Avg/Mo
Salary	Rp 11,399,937	Rp 20,226,353	Rp 9,596,033	Rp 13,740,774
Miscellaneous	Rp -10,978,229	Rp -19,996,157	Rp -6,926,424	Rp -12,633,603
E-commerce	Rp -2,354,999	Rp -244,560	Rp -42,040	Rp -880,533
Individual Out	Rp 0	Rp 0	Rp -1,500,000	Rp -500,000
Bank Charges	Rp -15,000	Rp -43,000	Rp -48,000	Rp -35,333
Food	Rp 0	Rp 0	Rp -95,460	Rp -31,820
E-Wallet	Rp 0	Rp -50,000	Rp 0	Rp -16,667

Occupational & Profile Check Section did not run for this application

The profile-check agent did not produce output. This usually means the application was fast-tracked to decline before the synthesis stage, or the agent failed silently (check pipeline logs for 'profile_check' entries).

Risk Factors

Category	Severity	Description
Bureau	High	Wilful default status with 9 write-offs totaling IDR 26.6M from multiple pinjol lenders (Easy Cash, Kredito, Adapundi, Pinjam Yuk, KTA Kilat, AdaKami)
Bureau	High	Extreme credit exposure with 301 active trades and total outstanding of IDR 129.7M vs declared IDR 102.5M - customer underdeclared by IDR 27.2M
Bureau	High	Current delinquencies on 3 accounts with DPD ranging 14-58 days (Kredito IDR 5M, AdaKami IDR 1.4M, Bank Jago IDR 1.1M)
Application	High	Contract employee status fails critical eligibility requirement - auto-decline trigger
Income	High	Negative residual income of IDR -47M monthly after all obligations - mathematically impossible to service additional debt
Bureau	Medium	Excessive paylater usage with 292 Gopay Later transactions totaling IDR 39.95M outstanding, indicating cash flow dependency
Banking	Medium	No visible loan payments in 3-month bank statement despite claiming IDR 55M monthly EMI obligations

Executive Summary

DECLINE RECOMMENDED. This applicant presents multiple critical risk factors that make approval inadvisable: (1) Wilful default status with 9 write-offs totaling IDR 26.6M across multiple pinjol lenders, (2) Contract employment failing critical eligibility criteria, (3) Extreme over-leverage with 301 active trades and IDR 129.7M total debt vs IDR 12M monthly income, (4) Current delinquencies on 3 accounts, (5) Negative residual income of IDR -47M making debt service impossible, and (6) Significant underdeclaration of existing debt by IDR 27.2M. The combination of wilful default history, current payment difficulties, and mathematical inability to service existing obligations creates unacceptable credit risk for debt consolidation.

Interview Question Bank (15 questions)

Verification

1. Can you confirm your current residential address at 06 Jl. H No 6, RT 8 RW 8, Kebon Baru, Tebet, Jakarta Selatan 12830? How long have you lived there?
   Why: Address verification and residential stability assessment
2. You mentioned having 1 dependent. Can you tell me about your family composition - who lives with you and their ages?
   Why: Verify dependent count and assess actual household expenses
3. As HRD Supervisor at PT Dua Kuda Indonesia, what is your exact job scope and how long have you been in this specific role?
   Why: Employment verification and role stability assessment
4. You're currently on a contract employment basis. When does your current contract expire and what are the renewal prospects?
   Why: Critical eligibility failure - need to understand employment security

Debt Background

1. Our bureau check shows you have 9 written-off loans totaling IDR 26.6 million from lenders like Easy Cash, Kredito, and Adapundi. Can you explain what happened with these loans?
   Why: Understand circumstances behind wilful default status and assess repayment willingness
2. You declared IDR 102.5M in total debt, but our bureau check shows IDR 129.7M. Can you explain this IDR 27.2M difference? Are there any loans you haven't mentioned?
   Why: Address significant underdeclaration and assess transparency
3. You currently have overdue payments on Kredito (IDR 5M, 58 days late), AdaKami (IDR 1.4M, 14 days late), and Bank Jago (IDR 1.1M, 38 days late). Why are these payments delayed?
   Why: Understand current payment difficulties and cash flow issues

Income

1. Your salary appears consistent at around IDR 13.7M monthly in bank statements. Are there any upcoming changes to your compensation or job security concerns?
   Why: Assess income sustainability given contract employment status
2. You mentioned spouse income of IDR 1M monthly. What is your spouse's occupation and how stable is this income?
   Why: Verify additional household income for affordability assessment

Expense Validation

1. You declared IDR 5M monthly expenses. Can you break this down - how much goes to food, utilities, transportation, children's needs, and other categories?
   Why: Validate expense declaration and identify potential understatement
2. You claim IDR 55M monthly EMI payments, but we don't see these payments in your bank statements. How and where do you make these payments?
   Why: Reconcile declared vs observed payment behavior
3. We see 292 Gopay Later transactions totaling IDR 39.95M outstanding. What do you primarily use Gopay Later for and why such frequent usage?
   Why: Understand paylater dependency and cash flow management

Future Plans

1. You mentioned having collateral available. What type of collateral and what is its estimated value?
   Why: Assess additional security options and lump-sum repayment capacity
2. Given your current financial obligations exceed your income, how do you plan to avoid taking additional debt after consolidation?
   Why: Assess re-leveraging risk and financial discipline
3. Do you have any side income, business activities, or expected lump-sum receipts (bonus, inheritance, asset sale) that could help with debt repayment?
   Why: Identify additional repayment sources given negative cash flow

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-11T18:54:28.062511