📋 Credit Summary — Pre-Interview Brief

Jumihadi Hadi · KTP: 3175070909770018 · Generated: 11 May 2026, 18:19 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 70,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=70.7%, FOIR=65.4%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KABUPATEN BEKASI, 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	4 years	✓ Pass
Total Work Experience	≥ 3 years	10 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 27,000,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 215,000,000	Rp 17,650,000
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	70.70%	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	65.37%	Red	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	66.36%	Green	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	0.66x	Green	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp -5,750,000	Red	> IDR 5M Green | 2-5M Amber | < 2M Red
Bank-detected vs Declared Income	570.90%	Green	≥ 90% Green | 75-90% Amber | < 75% Red

Bank Statement Category Pivot (Top 12 by Volume)

Category	02/2026	Month 2	Month 3	Avg/Mo
Individual Out	Rp -155,600,000	Rp 0	Rp 0	Rp -155,600,000
Salary	Rp 153,382,310	Rp 0	Rp 0	Rp 153,382,310
Salary - Reimbursement	Rp 763,918	Rp 0	Rp 0	Rp 763,918
E-commerce	Rp -70,000	Rp 0	Rp 0	Rp -70,000
Bank Charges	Rp -10,001	Rp 0	Rp 0	Rp -10,001

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 with 9 write-offs totaling IDR 31.9M from multiple paylater providers (Easy Cash, Kredito, Adapundi, KTA Kilat, Pinjam Yuk, AdaKami). Maximum DPD of 738 days indicates severe payment delinquency.
Bureau	High	Current delinquencies on 3 active accounts including Kredito (58 DPD), AdaKami (14 DPD), and Bank Jago (38 DPD), showing ongoing payment difficulties.
Application	High	Massive debt declaration gap: customer declared IDR 215M total debt vs bureau-verified IDR 129.7M, indicating potential hidden obligations or misrepresentation of financial position.
Banking	Medium	Negative residual income of IDR -5.75M monthly after all obligations, indicating severe cash flow stress and inability to service additional debt.
Banking	Medium	Large unexplained outflows of IDR 155.6M to individuals in single month, raising concerns about fund diversion or undisclosed obligations.
Income	Medium	Income volatility concern: bank-detected average salary IDR 154M vs declared IDR 27M (570% variance), though only 1 month observed limits reliability.

Executive Summary

DECLINE RECOMMENDED. This applicant presents extreme credit risk with a documented history of wilful default across 9 write-offs totaling IDR 31.9M, ongoing delinquencies on 3 current accounts, and severe cash flow stress evidenced by negative IDR 5.75M monthly residual income. The massive debt declaration gap (IDR 85M difference) and unexplained large individual transfers raise serious concerns about financial transparency and potential fund diversion. Despite stable employment, the combination of proven default behavior, current payment difficulties, and negative cash flow makes this unsuitable for debt consolidation.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address at 125 Kancil 1 Timur, RT 2 RW 7, Sertajaya, Cikarang Timur? How long have you lived there?
   Why: Address verification and residential stability assessment
2. You mentioned having 5 dependents. Can you break down who these dependents are (spouse, children, parents) and their ages?
   Why: Verify family composition and expense obligations
3. Please confirm your role as Manager at PT Dharma Poliplast and describe your main responsibilities. What type of manufacturing does the company do?
   Why: Employment verification and income source validation
4. Can you provide contact details for PT Dharma Poliplast HR department for employment verification?
   Why: Enable independent employment verification

Debt Background

1. Our bureau check shows you have 9 written-off loans from providers like Easy Cash, Kredito, and Adapundi totaling around IDR 32 million. Can you explain what happened with these loans?
   Why: Understand circumstances behind multiple write-offs and assess willingness to pay
2. You currently have overdue payments on Kredito (58 days), AdaKami (14 days), and Bank Jago (38 days). Why haven't these been paid and what's your plan to resolve them?
   Why: Assess current payment behavior and commitment to resolving delinquencies
3. You declared total debt of IDR 215 million, but our bureau check shows IDR 130 million. Can you explain this IDR 85 million difference? Are there loans not appearing in the bureau?
   Why: Identify potential hidden debt or misrepresentation
4. What was the original purpose of taking so many paylater loans, and why did the situation escalate to write-offs?
   Why: Understand root cause of debt accumulation and assess behavioral patterns

Income

1. Your payslips show IDR 27 million monthly, but your bank statement shows much higher amounts. Can you explain the salary structure and any bonuses or allowances?
   Why: Clarify income composition and sustainability
2. Have there been any recent changes to your salary, bonuses, or job responsibilities? Is your current income level sustainable?
   Why: Assess income stability and future earning capacity

Expense Validation

1. You declared IDR 15.1 million monthly expenses for a family of 6-7 people. Can you break this down by category (food, utilities, education, transportation, etc.)?
   Why: Validate expense declaration and identify potential understatement
2. Your bank statement shows IDR 155.6 million in transfers to individuals in one month. Can you explain these large outflows?
   Why: Understand major cash outflows and potential undisclosed obligations

Future Plans

1. After consolidation, how will you ensure you don't accumulate new debt, especially given your history with multiple paylater providers?
   Why: Assess re-leveraging risk and debt management discipline
2. Do you have any emergency funds, side income, or assets that could help with loan payments if your main income is disrupted?
   Why: Evaluate backup payment capacity and financial resilience

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-11T18:19:46.929898