{"application_row":{"Nama Depan":"Evi","Nama Belakang":"Meiwatiningsih","Nama Lengkap":"Evi Meiwatiningsih","Email":"evi.example@gmail.com","Mobile":"0819-XXXX-XXXX","Tanggal Lahir":"5/1/1980","Nomor KTP":"32010141XXXXXXXXXX","Jenis Kelamin":"Perempuan","Jumlah Keluarga Ditanggung":"1","Pendidikan Terakhir":"D3","Status Perkawinan":"Kawin","Alamat Tempat Tinggal":"xxxxxxxx","No RT":"5","No RW":"7","Desa/Kelurahan":"HARAPAN JAYA","Nama Kecamatan":"CIBINONG","Kabupaten/Kota":"KABUPATEN BOGOR","Provinsi":"JAWA BARAT","No Kode Pos":"16914","Posisi/Jabatan":"Admin Assistant","Perusahaan Saat Ini":"HBT Law Firm","Jenis Perusahaan":"Swasta","Status Pekerjaan":"Karyawan Tetap","Jumlah Tahun Pengalaman Di Perusahaan Sekarang":"4+ Tahun","Total Pengalaman Kerja":"10+ Tahun","Pendapatan Tetap Perbulan":"12400000","Pengeluaran Tetap Perbulan":"5000000","Total Hutang Atas Pinjaman Tanpa Agunan":"77000000","Total Cicilan Per Bulan Atas Pinjaman Tanpa Agunan":"0","Total Hutang Atas Pinjaman Beragunan (Jika Ada)":"0","Total Cicilan Per Bulan Atas Pinjaman Beragunan (Jika Ada)":"0","Kepemilikan Rumah":"Yes","Biaya Sewa/Kos Per Bulan":"0","Nama Bank":"BCA","Nomor Rekening":"XXXXX","Konsolidasi Bersama":"No","Pendapatan Pasangan":"0","Jaminan Collateral":"No"},"afpi_report_raw":{"report_date":"2026-04-22","subject_ktp":"32010141XXXXXXXXXX","active_loans":[{"pinjol":"OVO Paylater","loan_subtype":"Paylater","disbursement_amount":17000,"outstanding":17000,"disbursement_date":"2026-03-29","due_date":"2026-04-30","dpd":0},{"pinjol":"Gopay Pinjam","loan_subtype":"Onetime Loan","disbursement_amount":12000000,"outstanding":6315116,"disbursement_date":"2025-12-09","due_date":"2026-06-09","dpd":0},{"pinjol":"Shopee Pinjam","loan_subtype":"Onetime Loan","disbursement_amount":30000000,"outstanding":18596804,"disbursement_date":"2025-03-08","due_date":"2026-04-09","dpd":0},{"pinjol":"Adapundi","loan_subtype":"Onetime Loan","disbursement_amount":12352000,"outstanding":1029326,"disbursement_date":"2025-05-02","due_date":"2026-04-27","dpd":0}],"total_outstanding":25958246},"bank_statement_urls":[],"bank_statement_transactions":[{"date":"04-Mar","month":3,"bank":"BCA","description":"GAJI HBT LAW","type":"CREDIT","amount":13200716},{"date":"01-Feb","month":2,"bank":"BCA","description":"GAJI HBT LAW","type":"CREDIT","amount":16001777},{"date":"31-Jan","month":1,"bank":"BCA","description":"GAJI HBT LAW","type":"CREDIT","amount":15631924},{"date":"10-Mar","month":3,"bank":"BCA","description":"SHOPEE PINJAM PAYMENT","type":"DEBIT","amount":-3500000},{"date":"10-Feb","month":2,"bank":"BCA","description":"SHOPEE PINJAM PAYMENT","type":"DEBIT","amount":-3500000},{"date":"10-Jan","month":1,"bank":"BCA","description":"SHOPEE PINJAM PAYMENT","type":"DEBIT","amount":-3500000},{"date":"15-Mar","month":3,"bank":"BCA","description":"GOPAY PINJAM PAYMENT","type":"DEBIT","amount":-2200000},{"date":"15-Feb","month":2,"bank":"BCA","description":"GOPAY PINJAM PAYMENT","type":"DEBIT","amount":-2200000},{"date":"15-Jan","month":1,"bank":"BCA","description":"GOPAY PINJAM PAYMENT","type":"DEBIT","amount":-2200000},{"date":"20-Mar","month":3,"bank":"BCA","description":"BIAYA ADM","type":"DEBIT","amount":-17000},{"date":"20-Feb","month":2,"bank":"BCA","description":"BIAYA ADM","type":"DEBIT","amount":-17000},{"date":"20-Jan","month":1,"bank":"BCA","description":"BIAYA ADM","type":"DEBIT","amount":-17000},{"date":"05-Mar","month":3,"bank":"BCA","description":"ARISAN BULANAN","type":"DEBIT","amount":-500000},{"date":"05-Feb","month":2,"bank":"BCA","description":"ARISAN BULANAN","type":"DEBIT","amount":-500000},{"date":"05-Jan","month":1,"bank":"BCA","description":"ARISAN BULANAN","type":"DEBIT","amount":-500000},{"date":"01-Mar","month":3,"bank":"BCA","description":"Pegadaian gold sale","type":"CREDIT","amount":7195605},{"date":"10-Mar","month":3,"bank":"BCA","description":"INDOMARET","type":"DEBIT","amount":-175000},{"date":"10-Feb","month":2,"bank":"BCA","description":"INDOMARET","type":"DEBIT","amount":-38000}],"parsed_application":{"applicant":{"full_name":"Evi Meiwatiningsih","first_name":"Evi","last_name":"Meiwatiningsih","email":"evi.example@gmail.com","mobile":"0819-XXXX-XXXX","ktp_number":"32010141XXXXXXXXXX","dob":"5/1/1980","age":46,"gender":"Perempuan","marital_status":"Kawin","religion":null,"dependents":1.0,"education":"D3"},"address":{"street":"xxxxxxxx","rt":"5","rw":"7","kelurahan":"HARAPAN JAYA","kecamatan":"CIBINONG","city":"KABUPATEN BOGOR","province":"JAWA BARAT","postal_code":"16914"},"employment":{"job_title":"Admin Assistant","employer_name":"HBT Law Firm","employer_type":"Swasta","contract_type":"Karyawan Tetap","years_in_current_company":"4+ Tahun","total_work_experience":"10+ Tahun"},"income":{"monthly_income":12400000.0,"monthly_expenses":5000000.0,"spouse_income":0},"obligations_declared":{"unsecured_outstanding":77000000.0,"unsecured_emi":0,"secured_outstanding":0,"secured_emi":0,"total_outstanding":77000000.0,"total_emi":0},"housing":{"ownership":"Yes","monthly_rent":0},"documents":{"ktp_photo_url":null,"selfie_url":null,"bank_statement_url":null,"payslip_m1_url":null,"payslip_m2_url":null,"payslip_m3_url":null,"tax_return_url":null},"other":{"joint_consolidation":"No","collateral":"No","emergency_contact_name":null,"emergency_contact_number":null,"lead_source":null,"cs_executive":null}},"eligibility_check":{"rules":[{"rule":"Loan Amount Band","expected":"IDR 10–500 million","actual":"IDR 77,000,000","passed":true,"critical":true},{"rule":"Residual DSR","expected":"≤ 120%","actual":"Not yet computed","passed":null,"critical":true},{"rule":"Residential Geography","expected":"Jabodetabek / Surabaya / Bandung / Bali","actual":"KABUPATEN BOGOR, JAWA BARAT","passed":true,"critical":true},{"rule":"Minimum Education","expected":"≥ D3 (3-year diploma)","actual":"D3","passed":true,"critical":true},{"rule":"Employer Type","expected":"State-Owned / Government / Private","actual":"SWASTA","passed":true,"critical":true},{"rule":"Employment Contract","expected":"Permanent / Karyawan Tetap","actual":"KARYAWAN TETAP","passed":true,"critical":true},{"rule":"Employer in business > 5 years","expected":"> 5 years","actual":"Manual verification required","passed":null,"critical":false,"note":"Verify via LinkedIn / company website / interview"},{"rule":"Tenure in Current Company","expected":"≥ 1 year","actual":"4 years","passed":true,"critical":true},{"rule":"Total Work Experience","expected":"≥ 3 years","actual":"10 years","passed":true,"critical":true}],"summary":{"total_rules":9,"passed":7,"failed_critical":0,"failed_soft":0,"pending_manual":2},"auto_decline":false,"critical_failures":[],"verdict":"PROCEED_WITH_CHECKS"},"auto_decline_triggered":true,"summary_report_html":"\n\nCredit Summary — Evi Meiwatiningsih\n\n
\n

📋 Credit Summary — Pre-Interview Brief

\n

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

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

Applicant Profile

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

Eligibility Check (9 Hard Rules)

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
RuleRequiredActualStatus
Loan Amount BandIDR 10–500 millionIDR 77,000,000✓ Pass
Residual DSR≤ 120%Not yet computed◎ Manual
Residential GeographyJabodetabek / Surabaya / Bandung / BaliKABUPATEN BOGOR, JAWA BARAT✓ Pass
Minimum Education≥ D3 (3-year diploma)D3✓ Pass
Employer TypeState-Owned / Government / PrivateSWASTA✓ Pass
Employment ContractPermanent / Karyawan TetapKARYAWAN TETAP✓ Pass
Employer in business > 5 years> 5 yearsManual verification required◎ Manual
Tenure in Current Company≥ 1 year4 years✓ Pass
Total Work Experience≥ 3 years10 years✓ Pass
\n\n

Income & Loan Request

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

Loan Reconciliation (Customer / Bureau / Bank)

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

Credit Ratios

\n \n \n \n
MetricValueBandBenchmark
\n\n

Bank Statement Category Pivot (Top 12 by Volume)

\n \n \n \n
CategoryMonth 1Month 2Month 3Avg/Mo
\n\n

Risk Factors

\n \n \n \n
CategorySeverityDescription
No significant risk factors identified.
\n\n

Executive Summary

\n

Pending.

\n\n

Interview Question Bank (0 questions)

\n \n\n

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

\n
","excel_template_path":"output/credit_template_evi_meiwatiningsih_20260504_0907.xlsx","eligibility_decision":"decline","eligibility_override_notes":"hjchgcc ","eligibility_override_rules":[],"final_decision":"approve","final_decision_notes":"uyfyv","final_approved_amount":0.0,"final_approved_tenor":24,"final_conditions":[],"analyst_id":"ninad@flin.co.id","review_timestamps":{"post_eligibility":"2026-05-04T09:07:02.289831Z","final_decision":"2026-05-04T09:07:52.998823Z"},"errors":[],"completed_agents":["application_parser","eligibility_checker","eligibility_review","final_decision_review","report_generator","template_generator"],"processing_log":["[2026-05-04T08:35:43.119301] Application normalised","[2026-05-04T08:35:43.137073] Eligibility verdict: PROCEED_WITH_CHECKS","[HITL] Eligibility review: decision=decline, by=ninad@flin.co.id, overrides=[]","[HITL] Final decision: approve, amount=0 IDR, by=ninad@flin.co.id","[2026-05-04T09:07:53.032521] HTML report → output/credit_report_evi_meiwatiningsih_20260504_0907.html","[2026-05-04T09:07:53.435279] Excel → output/credit_template_evi_meiwatiningsih_20260504_0907.xlsx"],"application_id":"32010141XXXXXXXXXX"}