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📋 Credit Summary — Pre-Interview Brief
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\n Jumihadi Hadi · KTP: 3175070909770018 ·\n Generated: 11 May 2026, 18:19 WIB\n
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Recommendation
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Approved
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\n Risk: Very High ·\n Internal Score: 250/100 ·\n Eligibility: PROCEED_WITH_CHECKS\n
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Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: j j jnkjnkn
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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 70,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=70.7%, FOIR=65.4% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KABUPATEN BEKASI, 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 4 years | \n ✓ Pass |
\n | Total Work Experience | ≥ 3 years | \n 10 years | \n ✓ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 27,000,000 | \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 215,000,000 | \n Rp 17,650,000 |
\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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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 70.70% | \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 65.37% | \n Red | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 66.36% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 0.66x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp -5,750,000 | \n Red | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n 570.90% | \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 | Month 2 | Month 3 | Avg/Mo |
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\n \n | Individual Out | \n Rp -155,600,000 | \n Rp 0 | \n Rp 0 | \n Rp -155,600,000 |
\n | Salary | \n Rp 153,382,310 | \n Rp 0 | \n Rp 0 | \n Rp 153,382,310 |
\n | Salary - Reimbursement | \n Rp 763,918 | \n Rp 0 | \n Rp 0 | \n Rp 763,918 |
\n | E-commerce | \n Rp -70,000 | \n Rp 0 | \n Rp 0 | \n Rp -70,000 |
\n | Bank Charges | \n Rp -10,001 | \n Rp 0 | \n Rp 0 | \n Rp -10,001 |
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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 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 | \n High | \n Current delinquencies on 3 active accounts including Kredito (58 DPD), AdaKami (14 DPD), and Bank Jago (38 DPD), showing ongoing payment difficulties. |
| Application | \n High | \n 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 | \n Medium | \n Negative residual income of IDR -5.75M monthly after all obligations, indicating severe cash flow stress and inability to service additional debt. |
| Banking | \n Medium | \n Large unexplained outflows of IDR 155.6M to individuals in single month, raising concerns about fund diversion or undisclosed obligations. |
| Income | \n Medium | \n Income volatility concern: bank-detected average salary IDR 154M vs declared IDR 27M (570% variance), though only 1 month observed limits reliability. |
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Executive Summary
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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.
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Interview Question Bank (14 questions)
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Verification
- \n 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?\n
Why: Address verification and residential stability assessment\n - \n You mentioned having 5 dependents. Can you break down who these dependents are (spouse, children, parents) and their ages?\n
Why: Verify family composition and expense obligations\n - \n Please confirm your role as Manager at PT Dharma Poliplast and describe your main responsibilities. What type of manufacturing does the company do?\n
Why: Employment verification and income source validation\n - \n Can you provide contact details for PT Dharma Poliplast HR department for employment verification?\n
Why: Enable independent employment verification\n
Debt Background
- \n 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?\n
Why: Understand circumstances behind multiple write-offs and assess willingness to pay\n - \n 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?\n
Why: Assess current payment behavior and commitment to resolving delinquencies\n - \n 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?\n
Why: Identify potential hidden debt or misrepresentation\n - \n What was the original purpose of taking so many paylater loans, and why did the situation escalate to write-offs?\n
Why: Understand root cause of debt accumulation and assess behavioral patterns\n
Income
- \n 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?\n
Why: Clarify income composition and sustainability\n - \n Have there been any recent changes to your salary, bonuses, or job responsibilities? Is your current income level sustainable?\n
Why: Assess income stability and future earning capacity\n
Expense Validation
- \n 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.)?\n
Why: Validate expense declaration and identify potential understatement\n - \n Your bank statement shows IDR 155.6 million in transfers to individuals in one month. Can you explain these large outflows?\n
Why: Understand major cash outflows and potential undisclosed obligations\n
Future Plans
- \n After consolidation, how will you ensure you don't accumulate new debt, especially given your history with multiple paylater providers?\n
Why: Assess re-leveraging risk and debt management discipline\n - \n Do you have any emergency funds, side income, or assets that could help with loan payments if your main income is disrupted?\n
Why: Evaluate backup payment capacity and financial resilience\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: 2026-05-11T18:19:46.929898\n
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