📋 Credit Summary — Pre-Interview Brief

Steven Rosario · KTP: 3.21707E+15 · Generated: 11 May 2026, 13:09 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 95,468,994	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=63.3%, FOIR=0.0%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA DEPOK, JAWA BARAT	✓ 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	10 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 30,000,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 95,468,994	Rp 0
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	63.29%	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	0.00%	Green	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	36.03%	Green	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	0.36x	Green	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp 15,000,000	Green	> IDR 5M Green | 2-5M Amber | < 2M Red
Bank-detected vs Declared Income	672.10%	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
Miscellaneous	Rp -63,260,133	Rp -168,633,010	Rp -50,398,532	Rp -282,291,675
Salary	Rp 41,142,857	Rp 47,500,000	Rp 47,500,000	Rp 136,142,857
Salary - THR	Rp 0	Rp 65,500,000	Rp 0	Rp 65,500,000
Cash Withdrawal	Rp -4,700,000	Rp -25,000,000	Rp 0	Rp -29,700,000
Transport	Rp -3,616,502	Rp -3,881,627	Rp -2,689,235	Rp -10,187,364
E-Wallet	Rp -2,051,900	Rp -434,000	Rp -1,933,700	Rp -4,419,600
Individual In	Rp 500,000	Rp 0	Rp 0	Rp 500,000
Bank Charges	Rp -85,001	Rp -80,518	Rp -90,001	Rp -255,520
Utilities	Rp 0	Rp -152,000	Rp 0	Rp -152,000

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

Employer · PT Bis Data Indonesia  Confidence: Unknown

Profile	Unknown - no information available about this Indonesian private 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 · Steven Rosario  Confidence: Low

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Mid
Tenure observation	Finance Manager role with 2-4 years at company and 10+ total experience appears reasonable
Declared income (IDR/mo)	Rp 30,000,000
Expected range for role	Cannot estimate without knowing company size and industry
Plausibility verdict	Cannot assess
Comment	IDR 30M/month is high for most Finance Manager roles but could be justified at larger companies or specialized industries

Policy Implications (high-confidence only)

Category	Severity	Note
Income sanity	Medium	Declared income of IDR 30M/month requires verification given unknown employer profile

Disclaimer: No information available about PT Bis Data Indonesia in training data. All employer details require verification through official sources.

Risk Factors

Category	Severity	Description
Bureau	High	9 write-offs totaling IDR 39.95M from 2022, including defaults with Easy Cash, Kredito, Adapundi, and others - demonstrates willful default behavior
Bureau	High	Customer underdeclared debt by IDR 34.2M (declared IDR 95.4M vs bureau IDR 129.7M) - 36% understatement indicates potential deception
Bureau	Medium	Excessive credit utilization with 301 active tradelines including 252 Gopay Later transactions showing frequent micro-lending dependency
Bureau	Medium	Current delinquencies on PT Pembiayaan Digital Indonesia (14 DPD), Kredito (58 DPD), and Bank Jago (38 DPD)
Income	Medium	Declared income IDR 30M/month requires verification - unknown employer profile and high income level needs substantiation
Application	Medium	Suspicious timing pattern - all major defaults occurred on same date (Aug 9, 2022) across multiple lenders suggesting coordinated default behavior

Executive Summary

High-risk debt consolidation case with significant red flags. Customer has 9 write-offs totaling IDR 39.95M from 2022 and underdeclared existing debt by IDR 34.2M. The suspicious pattern of simultaneous defaults across multiple lenders on Aug 9, 2022 suggests potential willful default behavior. While current ratios appear favorable and recent Gopay Later activity shows repayment, the extensive credit history (301 tradelines) and ongoing delinquencies raise serious concerns about credit discipline. Income verification is critical given unknown employer profile. Recommend senior credit review with strict conditions if proceeding.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address at 12 Lingkungan Cipayung, RT 10 RW 2, Abadijaya, Depok? How long have you lived there?
   Why: Address verification and stability assessment
2. You mentioned having 1 dependent. Can you tell me about your family composition and who depends on your income?
   Why: Verify declared dependents and understand expense obligations
3. Please describe your role as Finance Manager at PT Bis Data Indonesia. What are your main responsibilities and how long has the company been in business?
   Why: Employer verification since company profile is unknown in our database
4. Can you provide your direct supervisor's name and contact details for employment verification?
   Why: Enable independent employment verification given unknown employer

Debt Background

1. Our bureau check shows you have outstanding debts totaling IDR 129.7 million, but you declared only IDR 95.4 million. Can you explain this IDR 34.2 million difference?
   Why: Address significant debt understatement and assess honesty
2. We see you had multiple loan defaults on August 9, 2022 with Easy Cash, Kredito, Adapundi and others totaling IDR 39.95 million. What happened on that specific date?
   Why: Understand the suspicious pattern of simultaneous defaults across multiple lenders
3. Why do you want to consolidate your debts now, and how will consolidation prevent you from taking additional loans in the future?
   Why: Assess consolidation motivation and re-leveraging risk given extensive credit history

Income

1. Your declared salary is IDR 30 million per month. Can you break down your compensation structure - base salary, allowances, bonuses, and when these are typically paid?
   Why: Verify high income level and understand payment timing
2. Have you experienced any salary delays or reductions in the past 12 months? What is your job security outlook?
   Why: Assess income stability and employment risk
3. Do you have any side income, business activities, or other sources of funds beyond your salary?
   Why: Understand total income capacity and potential undisclosed obligations

Expense Validation

1. You declared monthly expenses of IDR 15 million. Please break this down - household expenses, utilities, family support, transportation, etc.
   Why: Validate expense estimates and identify potential understatement
2. We see frequent Gopay Later usage in your credit history - 252 transactions. What do you typically use these micro-loans for?
   Why: Understand spending patterns and potential cash flow issues despite high income

Future Plans

1. Do you have any emergency funds, investments, or assets that could help with loan repayment if needed?
   Why: Assess backup repayment capacity given write-off history
2. Are you planning any major expenses in the next 2-3 years - property purchase, vehicle, children's education, medical expenses?
   Why: Identify potential future financial stress that could impact repayment

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-11T13:09:23.381002