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📋 Credit Summary — Pre-Interview Brief
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\n Swadyka Saputra Ridwan · KTP: 3174010412890001 ·\n Generated: 11 May 2026, 18:54 WIB\n
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Recommendation
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Approved
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\n Risk: Very High ·\n Internal Score: 180/100 ·\n Eligibility: AUTO_DECLINE\n
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Analyst Decision: Rp 0 for 24 months · Reviewed by grtvninad@flin.co.id · Notes: hbtr
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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 100,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=70.7%, FOIR=458.3% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KOTA JAKARTA SELATAN, 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 KONTRAK | \n ✗ Fail |
\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 10 years | \n ✓ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 12,000,000 | \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 102,500,000 | \n Rp 55,000,000 |
\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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\n ⚠️ Customer underdeclared debt:\n Customer declared Rp 102,500,000 but bureau shows\n Rp 129,716,431 —\n gap of Rp 27,216,431. Probe in interview.\n
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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 70.67% | \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 458.33% | \n Red | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 90.08% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 0.90x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp -47,000,000 | \n Red | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n 114.50% | \n Green | \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 | 02/2026 | 03/2026 | 04/2026 | Avg/Mo |
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\n \n | Salary | \n Rp 11,399,937 | \n Rp 20,226,353 | \n Rp 9,596,033 | \n Rp 13,740,774 |
\n | Miscellaneous | \n Rp -10,978,229 | \n Rp -19,996,157 | \n Rp -6,926,424 | \n Rp -12,633,603 |
\n | E-commerce | \n Rp -2,354,999 | \n Rp -244,560 | \n Rp -42,040 | \n Rp -880,533 |
\n | Individual Out | \n Rp 0 | \n Rp 0 | \n Rp -1,500,000 | \n Rp -500,000 |
\n | Bank Charges | \n Rp -15,000 | \n Rp -43,000 | \n Rp -48,000 | \n Rp -35,333 |
\n | Food | \n Rp 0 | \n Rp 0 | \n Rp -95,460 | \n Rp -31,820 |
\n | E-Wallet | \n Rp 0 | \n Rp -50,000 | \n Rp 0 | \n Rp -16,667 |
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Occupational & Profile Check\n \n Section did not run for this application\n \n
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\n The profile-check agent did not produce output. This usually means the application\n was fast-tracked to decline before the synthesis stage, or the agent failed silently\n (check pipeline logs for 'profile_check' entries).\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Bureau | \n High | \n 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 | \n High | \n 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 | \n High | \n Current delinquencies on 3 accounts with DPD ranging 14-58 days (Kredito IDR 5M, AdaKami IDR 1.4M, Bank Jago IDR 1.1M) |
| Application | \n High | \n Contract employee status fails critical eligibility requirement - auto-decline trigger |
| Income | \n High | \n Negative residual income of IDR -47M monthly after all obligations - mathematically impossible to service additional debt |
| Bureau | \n Medium | \n Excessive paylater usage with 292 Gopay Later transactions totaling IDR 39.95M outstanding, indicating cash flow dependency |
| Banking | \n Medium | \n No visible loan payments in 3-month bank statement despite claiming IDR 55M monthly EMI obligations |
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Executive Summary
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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.
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Interview Question Bank (15 questions)
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Verification
- \n 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?\n
Why: Address verification and residential stability assessment\n - \n You mentioned having 1 dependent. Can you tell me about your family composition - who lives with you and their ages?\n
Why: Verify dependent count and assess actual household expenses\n - \n As HRD Supervisor at PT Dua Kuda Indonesia, what is your exact job scope and how long have you been in this specific role?\n
Why: Employment verification and role stability assessment\n - \n You're currently on a contract employment basis. When does your current contract expire and what are the renewal prospects?\n
Why: Critical eligibility failure - need to understand employment security\n
Debt Background
- \n 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?\n
Why: Understand circumstances behind wilful default status and assess repayment willingness\n - \n 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?\n
Why: Address significant underdeclaration and assess transparency\n - \n 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?\n
Why: Understand current payment difficulties and cash flow issues\n
Income
- \n 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?\n
Why: Assess income sustainability given contract employment status\n - \n You mentioned spouse income of IDR 1M monthly. What is your spouse's occupation and how stable is this income?\n
Why: Verify additional household income for affordability assessment\n
Expense Validation
- \n You declared IDR 5M monthly expenses. Can you break this down - how much goes to food, utilities, transportation, children's needs, and other categories?\n
Why: Validate expense declaration and identify potential understatement\n - \n 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?\n
Why: Reconcile declared vs observed payment behavior\n - \n We see 292 Gopay Later transactions totaling IDR 39.95M outstanding. What do you primarily use Gopay Later for and why such frequent usage?\n
Why: Understand paylater dependency and cash flow management\n
Future Plans
- \n You mentioned having collateral available. What type of collateral and what is its estimated value?\n
Why: Assess additional security options and lump-sum repayment capacity\n - \n Given your current financial obligations exceed your income, how do you plan to avoid taking additional debt after consolidation?\n
Why: Assess re-leveraging risk and financial discipline\n - \n Do you have any side income, business activities, or expected lump-sum receipts (bonus, inheritance, asset sale) that could help with debt repayment?\n
Why: Identify additional repayment sources given negative cash flow\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: 2026-05-11T18:54:28.062511\n
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