📋 Credit Summary — Pre-Interview Brief

Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX · Generated: 09 May 2026, 13:16 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 77,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=129.2%, FOIR=46.0%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KABUPATEN BOGOR, JAWA BARAT	✓ Pass
Minimum Education	≥ Senior High School (SMA)	D3	✓ 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 12,400,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 77,000,000	Rp 0
Bureau (AFPI + CLIK)	Rp 844,744,266	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 5,700,000

AFPI Bureau Analysis 43 loans · Rp 137.401.302 outstanding · 5 Pinjol(s)

Collectibility × Loan Status (Count)

	L	O
DPD 0	38	—
DPD 1-30	—	3
DPD 61-90	—	1
DPD 90+	—	1

Collectibility × Loan Status (Outstanding Loan Value)

	L	O
DPD 0	Rp 0	—
DPD 1-30	—	Rp 33.216.667
DPD 61-90	—	Rp 12.498.000
DPD 90+	—	Rp 91.686.635

Year × Loan Status (Count)

	L	O
2023	28	—
2024	7	—
2025	3	5

Year × Collectibility Status (Count)

	DPD 0	DPD 1-30	DPD 61-90	DPD 90+
2023	28	—	—	—
2024	7	—	—	—
2025	3	3	1	1

CLIK Bureau Analysis 52 loans · Rp 707.342.964 debit balance · DPD mean 0.15, max 8.0 days

Secured: 3 loans, Rp 371.074.010 · Unsecured: 49 loans, Rp 336.268.954 · Total disbursed (Initial Credit Limit): Rp 1.205.022.283

CLIK — Combined (secured + unsecured)

CLIK — Secured

CLIK — Unsecured

Credit Ratios

Metric	Value	Band	Benchmark
TOIR (Post-Consolidation Affordability) PRIMARY	129.21%	Amber	≤ 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	45.97%	Amber	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	567.70%	Red	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	5.68x	Red	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp 1,700,000	Red	> IDR 5M Green | 2-5M Amber | < 2M Red
Bank-detected vs Declared Income	120.50%	Green	≥ 90% Green | 75-90% Amber | < 75% Red

Bank Statement Category Pivot (Top 12 by Volume)

Category	Month 1	Month 2	Month 3	Avg/Mo
Salary	Rp 15,631,924	Rp 16,001,777	Rp 13,200,716	Rp 14,944,806
Loan Payment	Rp -5,700,000	Rp -5,700,000	Rp -5,700,000	Rp -5,700,000
Z Pegadaian	Rp 0	Rp 0	Rp 7,195,605	Rp 2,398,535
Miscellaneous - Arisan	Rp -500,000	Rp -500,000	Rp -500,000	Rp -500,000
Groceries	Rp 0	Rp -38,000	Rp -175,000	Rp -71,000
Bank Charges	Rp -17,000	Rp -17,000	Rp -17,000	Rp -17,000

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

Employer · HBT Law Firm  Confidence: Unknown

Profile	Unknown - no information available about this specific Indonesian law firm 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 · Evi Meiwatiningsih  Confidence: Low

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Junior
Tenure observation	4+ years tenure as Admin Assistant appears reasonable for career progression
Declared income (IDR/mo)	Rp 12,400,000
Expected range for role	Cannot estimate without knowing firm size and location specifics
Plausibility verdict	Cannot assess
Comment	IDR 12.4M seems high for typical admin assistant role, but law firms may pay premiums and Bogor proximity to Jakarta could justify higher wages

Policy Implications (high-confidence only)

Category	Severity	Note
Income sanity	Medium	Declared income appears elevated for stated role and may warrant verification

Disclaimer: No training data available for this specific employer or applicant - all assessments require independent verification

Risk Factors

Category	Severity	Description
Bureau	High	Massive debt underdeclaration: declared IDR 77M vs actual IDR 845M outstanding (997% gap). Customer hiding 91% of total debt burden.
Bureau	High	Active delinquencies across multiple paylater platforms: Danabijak DPD 90+ (IDR 91.7M), Julo DPD 1-30 (IDR 15.4M), Gopay DPD 1-30 (IDR 17.8M), Indodana DPD 61-90 (IDR 12.5M)
Bureau	High	Extreme debt-to-income ratio of 568% and income multiplier of 5.68x indicating severe over-leveraging
Application	High	Fraudulent application: zero EMI declared despite IDR 5.7M monthly loan payments visible in bank statements
Banking	Medium	Suspicious IDR 7.2M Pegadaian transaction in recent month suggests potential asset pawning due to cash flow stress
Income	Medium	Income appears elevated for Admin Assistant role at unknown law firm - IDR 12.4M may not be sustainable

Executive Summary

STRONG DECLINE RECOMMENDATION. Customer has systematically concealed 91% of debt burden (IDR 768M gap) and falsely declared zero EMI despite IDR 5.7M monthly payments. Currently delinquent on IDR 137M across 5 paylater platforms with Danabijak in DPD 90+ status. Debt ratios are catastrophic (568% DTI, 5.68x income multiplier) indicating financial distress. Recent Pegadaian transaction suggests asset pawning. This represents deliberate misrepresentation with active payment difficulties - classic debt spiral case unsuitable for consolidation.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address in Harapan Jaya, Cibinong? How long have you lived there and do you own or rent this property?
   Why: Verify address stability and housing ownership claim
2. You mentioned having 1 dependent. Can you tell me about your family situation - who is this dependent and what are their monthly expenses?
   Why: Validate dependent count and understand family financial obligations
3. How long has HBT Law Firm been in business and approximately how many employees work there? What type of legal services do they specialize in?
   Why: Verify employer legitimacy and stability since no public information available
4. As an Admin Assistant earning IDR 12.4M monthly, can you describe your specific responsibilities and why your salary is higher than typical admin roles?
   Why: Validate income level which appears elevated for stated position

Debt Background

1. You declared IDR 77M in unsecured debt, but our bureau check shows much higher amounts. Can you walk me through ALL your current loans including paylater apps like Danabijak, Julo, Gopay, and Indodana?
   Why: Confront the massive debt underdeclaration and test honesty
2. Your Danabijak loan of IDR 91M is currently 90+ days overdue. What happened with this payment and what steps are you taking to resolve it?
   Why: Understand reason for severe delinquency on largest paylater loan
3. You declared zero monthly EMI, but your bank statements show IDR 5.7M in loan payments monthly. Can you explain this discrepancy?
   Why: Confront the false EMI declaration directly

Income

1. Your salary appears to vary between IDR 13.2M to IDR 16M in recent months. Is your income fixed or variable? Are there bonuses or overtime components?
   Why: Understand income stability and composition given monthly variations
2. Have there been any recent changes in your employment status, salary, or job security at the law firm? Any planned changes in the next 12 months?
   Why: Assess employment stability and future income sustainability

Expense Validation

1. You declared IDR 5M monthly expenses. Can you break this down - how much for food, utilities, transportation, family support, and other major categories?
   Why: Validate expense declaration and understand spending patterns
2. I see regular IDR 500K 'Arisan' payments in your bank account. Can you explain what this is for and if it's mandatory?
   Why: Understand this recurring expense and its nature

Future Plans

1. There's a IDR 7.2M transaction from Pegadaian in your recent bank statement. Did you pawn any assets? What was this transaction for?
   Why: Investigate potential asset pawning which indicates financial distress
2. If we consolidate your loans, how will you ensure you don't take additional debt from paylater apps or other sources? What's your plan to avoid re-leveraging?
   Why: Assess re-leveraging risk given history of accumulating multiple paylater loans
3. Do you have any assets, side income, or expected lump sum payments (bonus, inheritance, property sale) that could help with debt repayment?
   Why: Explore additional repayment capacity beyond regular salary

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-09T13:16:58.199912