\n
📋 Credit Summary — Pre-Interview Brief
\n
\n Steven Rosario · KTP: 3.21707E+15 ·\n Generated: 11 May 2026, 13:09 WIB\n
\n\n
\n
Recommendation
\n
Approved
\n
\n Risk: High ·\n Internal Score: 420/100 ·\n Eligibility: PROCEED_WITH_CHECKS\n
\n
Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: rhrt
\n
\n\n \n\n
Applicant Profile
\n
\n\n
Eligibility Check (10 Hard Rules)
\n
\n | Rule | Required | Actual | Status |
|---|
\n \n | Loan Amount Band | > IDR 20 million | \n IDR 95,468,994 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=63.3%, FOIR=0.0% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KOTA DEPOK, JAWA BARAT | \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 10 years | \n ✓ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 30,000,000 | \n ✓ Pass |
\n
\n\n \n\n
Income & Loan Request
\n
\n\n
Loan Reconciliation (Customer / Bureau / Bank)
\n \n
\n | Source | Outstanding | Monthly EMI |
|---|
\n \n | Customer Declared | \n Rp 95,468,994 | \n Rp 0 |
\n | Bureau (AFPI + CLIK) | \n Rp 129,716,431 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 0 |
\n \n
\n \n
\n ⚠️ Customer underdeclared debt:\n Customer declared Rp 95,468,994 but bureau shows\n Rp 129,716,431 —\n gap of Rp 34,247,437. Probe in interview.\n
\n\n \n
AFPI Bureau Analysis\n \n 292 loans ·\n Rp 39.952.761 outstanding ·\n 9 Pinjol(s)\n \n
\n \n\n
\n
\n
Loans by Pinjol (top 15 by outstanding)
\n
\n | Pinjol | Loans | Outstanding |
|---|
\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 |
\n
\n
\n
\n
Loan Status Count
\n
\n
Collectibility Status Count
\n
| Bucket | Count |
|---|
| DPD 0 | 162 |
| DPD 1-30 | 119 |
| DPD 90+ | 11 |
\n
\n
\n\n
Collectibility × Loan Status (Count)
\n
| L | F | W |
|---|
| DPD 0 | 162 | — | — |
| DPD 1-30 | 119 | — | — |
| DPD 90+ | — | 2 | 9 |
\n\n
Collectibility × Loan Status (Outstanding Loan Value)
\n
| L | F | W |
|---|
| DPD 0 | Rp 0 | — | — |
| DPD 1-30 | Rp 0 | — | — |
| DPD 90+ | — | Rp 11.449.999 | Rp 28.502.762 |
\n\n
Year × Loan Status (Count)
\n
| L | F | W |
|---|
| 2018 | 10 | — | — |
| 2019 | 19 | — | — |
| 2020 | 28 | — | — |
| 2021 | 76 | — | — |
| 2022 | 84 | 2 | 9 |
| 2023 | 64 | — | — |
\n\n
Year × Collectibility Status (Count)
\n
| 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 | — |
\n\n
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
\n
\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
\n \n
CLIK — Combined (secured + unsecured)
\n
\n
\n
Contract Phase × DPD Bucket (count)
\n
\n
Contract Status × DPD Bucket (count)
\n
| Current | DPD 1-89 |
|---|
| Active Facilities | 6 | 3 |
\n
\n
\n
DPD Bucket × Debit Balance (sum)
\n
| DPD Bucket | Debit Sum |
|---|
| Current | Rp 82.219.234 |
| DPD 1-89 | Rp 7.544.436 |
\n
Contract Phase Count
\n
\n
\n
\n\n
\n
\n
Debit Balance per Contract Type Code
\n
| Type Code | Sum |
|---|
| 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 |
\n
\n
\n
Debit Balance per Provider Type Code
\n
| Provider Code | Sum |
|---|
| 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 |
\n
\n
\n\n\n
CLIK — Secured
\n
\n
\n
Contract Phase × DPD Bucket (count)
\n
\n
Contract Status × DPD Bucket (count)
\n
| Current |
|---|
| Active Facilities | 1 |
\n
\n
\n
DPD Bucket × Debit Balance (sum)
\n
| DPD Bucket | Debit Sum |
|---|
| Current | Rp 53.999.306 |
\n
Contract Phase Count
\n
\n
\n
\n\n
\n
\n
Debit Balance per Contract Type Code
\n
| Type Code | Sum |
|---|
| Others | Rp 53.999.306 |
\n
\n
\n
Debit Balance per Provider Type Code
\n
| Provider Code | Sum |
|---|
| Conventional Rural Bank | Rp 53.999.306 |
\n
\n
\n\n
CLIK — Unsecured
\n
\n
\n
Contract Phase × DPD Bucket (count)
\n
\n
Contract Status × DPD Bucket (count)
\n
| Current | DPD 1-89 |
|---|
| Active Facilities | 5 | 3 |
\n
\n
\n
DPD Bucket × Debit Balance (sum)
\n
| DPD Bucket | Debit Sum |
|---|
| Current | Rp 28.219.928 |
| DPD 1-89 | Rp 7.544.436 |
\n
Contract Phase Count
\n
\n
\n
\n\n
\n
\n
Debit Balance per Contract Type Code
\n
| Type Code | Sum |
|---|
| 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 |
\n
\n
\n
Debit Balance per Provider Type Code
\n
| Provider Code | Sum |
|---|
| 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 |
\n
\n
\n\n\n
Credit Ratios
\n
\n | Metric | Value | Band | Benchmark |
|---|
\n \n | TOIR (Post-Consolidation Affordability) PRIMARY | \n 63.29% | \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 0.00% | \n Green | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 36.03% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 0.36x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp 15,000,000 | \n Green | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n 672.10% | \n Green | \n ≥ 90% Green | 75-90% Amber | < 75% Red |
\n
\n\n
Bank Statement Category Pivot (Top 12 by Volume)
\n
\n | Category | 02/2026 | 03/2026 | 04/2026 | Avg/Mo |
|---|
\n \n | Miscellaneous | \n Rp -63,260,133 | \n Rp -168,633,010 | \n Rp -50,398,532 | \n Rp -282,291,675 |
\n | Salary | \n Rp 41,142,857 | \n Rp 47,500,000 | \n Rp 47,500,000 | \n Rp 136,142,857 |
\n | Salary - THR | \n Rp 0 | \n Rp 65,500,000 | \n Rp 0 | \n Rp 65,500,000 |
\n | Cash Withdrawal | \n Rp -4,700,000 | \n Rp -25,000,000 | \n Rp 0 | \n Rp -29,700,000 |
\n | Transport | \n Rp -3,616,502 | \n Rp -3,881,627 | \n Rp -2,689,235 | \n Rp -10,187,364 |
\n | E-Wallet | \n Rp -2,051,900 | \n Rp -434,000 | \n Rp -1,933,700 | \n Rp -4,419,600 |
\n | Individual In | \n Rp 500,000 | \n Rp 0 | \n Rp 0 | \n Rp 500,000 |
\n | Bank Charges | \n Rp -85,001 | \n Rp -80,518 | \n Rp -90,001 | \n Rp -255,520 |
\n | Utilities | \n Rp 0 | \n Rp -152,000 | \n Rp 0 | \n Rp -152,000 |
\n
\n\n \n
Occupational & Profile Check\n \n LLM knowledge estimate · no live web evidence\n ⚠ Verify before relying\n
\n\n
\n Employer · PT Bis Data Indonesia\n Confidence: Unknown\n
\n
\n | 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 | — |
\n
\n\n
\n Applicant · Steven Rosario\n Confidence: Low\n
\n
\n | 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 |
\n
\n\n
Policy Implications (high-confidence only)
\n
\n | Category | Severity | Note |
|---|
\n | Income sanity | Medium | Declared income of IDR 30M/month requires verification given unknown employer profile |
\n
\n\n
\n Disclaimer: No information available about PT Bis Data Indonesia in training data. All employer details require verification through official sources.\n
\n \n\n\n
Risk Factors
\n
\n | Category | Severity | Description |
|---|
\n | Bureau | \n High | \n 9 write-offs totaling IDR 39.95M from 2022, including defaults with Easy Cash, Kredito, Adapundi, and others - demonstrates willful default behavior |
| Bureau | \n High | \n Customer underdeclared debt by IDR 34.2M (declared IDR 95.4M vs bureau IDR 129.7M) - 36% understatement indicates potential deception |
| Bureau | \n Medium | \n Excessive credit utilization with 301 active tradelines including 252 Gopay Later transactions showing frequent micro-lending dependency |
| Bureau | \n Medium | \n Current delinquencies on PT Pembiayaan Digital Indonesia (14 DPD), Kredito (58 DPD), and Bank Jago (38 DPD) |
| Income | \n Medium | \n Declared income IDR 30M/month requires verification - unknown employer profile and high income level needs substantiation |
| Application | \n Medium | \n Suspicious timing pattern - all major defaults occurred on same date (Aug 9, 2022) across multiple lenders suggesting coordinated default behavior |
\n
\n\n
Executive Summary
\n
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.
\n\n
Interview Question Bank (14 questions)
\n
Verification
- \n Can you confirm your current residential address at 12 Lingkungan Cipayung, RT 10 RW 2, Abadijaya, Depok? How long have you lived there?\n
Why: Address verification and stability assessment\n - \n You mentioned having 1 dependent. Can you tell me about your family composition and who depends on your income?\n
Why: Verify declared dependents and understand expense obligations\n - \n 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?\n
Why: Employer verification since company profile is unknown in our database\n - \n Can you provide your direct supervisor's name and contact details for employment verification?\n
Why: Enable independent employment verification given unknown employer\n
Debt Background
- \n 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?\n
Why: Address significant debt understatement and assess honesty\n - \n 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?\n
Why: Understand the suspicious pattern of simultaneous defaults across multiple lenders\n - \n Why do you want to consolidate your debts now, and how will consolidation prevent you from taking additional loans in the future?\n
Why: Assess consolidation motivation and re-leveraging risk given extensive credit history\n
Income
- \n 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?\n
Why: Verify high income level and understand payment timing\n - \n Have you experienced any salary delays or reductions in the past 12 months? What is your job security outlook?\n
Why: Assess income stability and employment risk\n - \n Do you have any side income, business activities, or other sources of funds beyond your salary?\n
Why: Understand total income capacity and potential undisclosed obligations\n
Expense Validation
- \n You declared monthly expenses of IDR 15 million. Please break this down - household expenses, utilities, family support, transportation, etc.\n
Why: Validate expense estimates and identify potential understatement\n - \n We see frequent Gopay Later usage in your credit history - 252 transactions. What do you typically use these micro-loans for?\n
Why: Understand spending patterns and potential cash flow issues despite high income\n
Future Plans
- \n Do you have any emergency funds, investments, or assets that could help with loan repayment if needed?\n
Why: Assess backup repayment capacity given write-off history\n - \n Are you planning any major expenses in the next 2-3 years - property purchase, vehicle, children's education, medical expenses?\n
Why: Identify potential future financial stress that could impact repayment\n
\n\n
\n System-generated pre-interview brief. All figures subject to verification.\n Final decision rests with the credit officer.\n Generated: 2026-05-11T13:09:23.381002\n
\n