📋 Credit Summary — Pre-Interview Brief

Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX · Generated: 04 May 2026, 09:07 WIB

Recommendation
Approved
Risk: N/A · Internal Score: N/A/100 · Eligibility: PROCEED_WITH_CHECKS
Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: uyfyv

Applicant Profile

Full Name
Evi Meiwatiningsih
Age / DOB
46 · 5/1/1980
KTP / Mobile
32010141XXXXXXXXXX
0819-XXXX-XXXX
Education
D3
Marital · Dependents
Kawin · 1.0
Job · Employer
Admin Assistant
HBT Law Firm

Eligibility Check (9 Hard Rules)

RuleRequiredActualStatus
Loan Amount BandIDR 10–500 million IDR 77,000,000 ✓ Pass
Residual DSR≤ 120% Not yet computed ◎ Manual
Residential GeographyJabodetabek / Surabaya / Bandung / Bali KABUPATEN BOGOR, JAWA BARAT ✓ Pass
Minimum Education≥ D3 (3-year diploma) D3 ✓ Pass
Employer TypeState-Owned / Government / Private SWASTA ✓ Pass
Employment ContractPermanent / 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

Income & Loan Request

Declared Income/mo
Rp 12,400,000
Bank-Detected/mo
Rp 0
Declared Expenses/mo
Rp 5,000,000

Loan Reconciliation (Customer / Bureau / Bank)

SourceOutstandingMonthly EMI
Customer Declared Rp 0 Rp 0
Bureau (AFPI + SLIK) Rp 0 Rp 0
Bank Statement (avg/mo loan payments) — Rp 0

Credit Ratios

MetricValueBandBenchmark

Bank Statement Category Pivot (Top 12 by Volume)

CategoryMonth 1Month 2Month 3Avg/Mo

Risk Factors

CategorySeverityDescription
No significant risk factors identified.

Executive Summary

Pending.

Interview Question Bank (0 questions)

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-04T09:07:53.015330