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📋 Credit Summary — Pre-Interview Brief
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\n Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX ·\n Generated: 09 May 2026, 13:16 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: vvr
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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 77,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=129.2%, FOIR=46.0% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KABUPATEN BOGOR, JAWA BARAT | \n ✓ Pass |
\n | Minimum Education | ≥ Senior High School (SMA) | \n D3 | \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 12,400,000 | \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 77,000,000 | \n Rp 0 |
\n | Bureau (AFPI + CLIK) | \n Rp 844,744,266 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 5,700,000 |
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\n ⚠️ Customer underdeclared debt:\n Customer declared Rp 77,000,000 but bureau shows\n Rp 844,744,266 —\n gap of Rp 767,744,266. Probe in interview.\n
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AFPI Bureau Analysis\n \n 43 loans ·\n Rp 137.401.302 outstanding ·\n 5 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 | Danabijak | 1 | Rp 91.686.635 |
| Gopay Later / Gopay Pinjam | 7 | Rp 17.800.000 |
| Julo | 2 | Rp 15.416.667 |
| Indodana | 32 | Rp 12.498.000 |
| YUP Paylater / Samakita | 1 | 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 1-30 | 3 |
| DPD 0 | 38 |
| DPD 61-90 | 1 |
| DPD 90+ | 1 |
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Collectibility × Loan Status (Count)
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| L | O |
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| DPD 0 | 38 | — |
| DPD 1-30 | — | 3 |
| DPD 61-90 | — | 1 |
| DPD 90+ | — | 1 |
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Collectibility × Loan Status (Outstanding Loan Value)
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| L | O |
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| DPD 0 | Rp 0 | — |
| DPD 1-30 | — | Rp 33.216.667 |
| DPD 61-90 | — | Rp 12.498.000 |
| DPD 90+ | — | Rp 91.686.635 |
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Year × Loan Status (Count)
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Year × Collectibility Status (Count)
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| DPD 0 | DPD 1-30 | DPD 61-90 | DPD 90+ |
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| 2023 | 28 | — | — | — |
| 2024 | 7 | — | — | — |
| 2025 | 3 | 3 | 1 | 1 |
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CLIK Bureau Analysis\n \n 52 loans ·\n Rp 707.342.964 debit balance ·\n DPD mean 0.15, max 8.0 days\n \n
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\n Secured: 3 loans, Rp 371.074.010 ·\n Unsecured: 49 loans, Rp 336.268.954 ·\n Total disbursed (Initial Credit Limit): Rp 1.205.022.283\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 | 51 | 1 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 698.166.065 |
| DPD 1-89 | Rp 9.176.899 |
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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 404.383.375 |
| Credit Card | Rp 103.022.824 |
| Credit to third parties through other agencies by channeling | Rp 71.330.963 |
| Cash Loan - Non Fintech (i.e. Banks) | Rp 60.098.154 |
| Others - Fintech | Rp 46.018.476 |
| Loans for joint financing (Syndication) | Rp 12.447.392 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 10.041.780 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Financing Company | Rp 368.795.469 |
| Conventional Commercial Bank | Rp 292.529.019 |
| Fintech | Rp 46.018.476 |
| Islamic Banks (Unit Usaha Syariah - Syariah Business Unit) | Rp 0 |
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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 | 3 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 371.074.010 |
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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 358.626.618 |
| Loans for joint financing (Syndication) | Rp 12.447.392 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Financing Company | Rp 358.753.689 |
| Conventional Commercial Bank | Rp 12.320.321 |
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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 | 48 | 1 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 327.092.055 |
| DPD 1-89 | Rp 9.176.899 |
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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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| Credit Card | Rp 103.022.824 |
| Credit to third parties through other agencies by channeling | Rp 71.330.963 |
| Cash Loan - Non Fintech (i.e. Banks) | Rp 60.098.154 |
| Others - Fintech | Rp 46.018.476 |
| Others | Rp 45.756.757 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 10.041.780 |
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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 280.208.698 |
| Fintech | Rp 46.018.476 |
| Financing Company | Rp 10.041.780 |
| Islamic Banks (Unit Usaha Syariah - Syariah Business Unit) | Rp 0 |
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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 129.21% | \n Amber | \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 45.97% | \n Amber | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 567.70% | \n Red | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 5.68x | \n Red | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp 1,700,000 | \n Red | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n 120.50% | \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 | Month 1 | Month 2 | Month 3 | Avg/Mo |
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\n \n | Salary | \n Rp 15,631,924 | \n Rp 16,001,777 | \n Rp 13,200,716 | \n Rp 14,944,806 |
\n | Loan Payment | \n Rp -5,700,000 | \n Rp -5,700,000 | \n Rp -5,700,000 | \n Rp -5,700,000 |
\n | Z Pegadaian | \n Rp 0 | \n Rp 0 | \n Rp 7,195,605 | \n Rp 2,398,535 |
\n | Miscellaneous - Arisan | \n Rp -500,000 | \n Rp -500,000 | \n Rp -500,000 | \n Rp -500,000 |
\n | Groceries | \n Rp 0 | \n Rp -38,000 | \n Rp -175,000 | \n Rp -71,000 |
\n | Bank Charges | \n Rp -17,000 | \n Rp -17,000 | \n Rp -17,000 | \n Rp -17,000 |
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Occupational & Profile Check\n \n LLM knowledge estimate · no live web evidence\n ⚠ Verify before relying\n
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\n Employer · HBT Law Firm\n Confidence: Unknown\n
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\n | 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 | — |
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\n Applicant · Evi Meiwatiningsih\n Confidence: Low\n
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\n | 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 |
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Policy Implications (high-confidence only)
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\n | Category | Severity | Note |
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\n | Income sanity | Medium | Declared income appears elevated for stated role and may warrant verification |
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\n Disclaimer: No training data available for this specific employer or applicant - all assessments require independent verification\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Bureau | \n High | \n Massive debt underdeclaration: declared IDR 77M vs actual IDR 845M outstanding (997% gap). Customer hiding 91% of total debt burden. |
| Bureau | \n High | \n 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 | \n High | \n Extreme debt-to-income ratio of 568% and income multiplier of 5.68x indicating severe over-leveraging |
| Application | \n High | \n Fraudulent application: zero EMI declared despite IDR 5.7M monthly loan payments visible in bank statements |
| Banking | \n Medium | \n Suspicious IDR 7.2M Pegadaian transaction in recent month suggests potential asset pawning due to cash flow stress |
| Income | \n Medium | \n Income appears elevated for Admin Assistant role at unknown law firm - IDR 12.4M may not be sustainable |
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Executive Summary
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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.
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Interview Question Bank (14 questions)
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Verification
- \n 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?\n
Why: Verify address stability and housing ownership claim\n - \n You mentioned having 1 dependent. Can you tell me about your family situation - who is this dependent and what are their monthly expenses?\n
Why: Validate dependent count and understand family financial obligations\n - \n 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?\n
Why: Verify employer legitimacy and stability since no public information available\n - \n 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?\n
Why: Validate income level which appears elevated for stated position\n
Debt Background
- \n 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?\n
Why: Confront the massive debt underdeclaration and test honesty\n - \n 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?\n
Why: Understand reason for severe delinquency on largest paylater loan\n - \n You declared zero monthly EMI, but your bank statements show IDR 5.7M in loan payments monthly. Can you explain this discrepancy?\n
Why: Confront the false EMI declaration directly\n
Income
- \n 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?\n
Why: Understand income stability and composition given monthly variations\n - \n 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?\n
Why: Assess employment stability and future income sustainability\n
Expense Validation
- \n You declared IDR 5M monthly expenses. Can you break this down - how much for food, utilities, transportation, family support, and other major categories?\n
Why: Validate expense declaration and understand spending patterns\n - \n I see regular IDR 500K 'Arisan' payments in your bank account. Can you explain what this is for and if it's mandatory?\n
Why: Understand this recurring expense and its nature\n
Future Plans
- \n There's a IDR 7.2M transaction from Pegadaian in your recent bank statement. Did you pawn any assets? What was this transaction for?\n
Why: Investigate potential asset pawning which indicates financial distress\n - \n 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?\n
Why: Assess re-leveraging risk given history of accumulating multiple paylater loans\n - \n Do you have any assets, side income, or expected lump sum payments (bonus, inheritance, property sale) that could help with debt repayment?\n
Why: Explore additional repayment capacity beyond regular salary\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: 2026-05-09T13:16:58.199912\n
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