📋 Credit Summary — Pre-Interview Brief

Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX · Generated: 10 May 2026, 08:21 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

Policy Implications (high-confidence only)

Category	Severity	Note
Income sanity	Medium	Declared income appears elevated for admin assistant role and requires verification

Disclaimer: No information available about HBT Law Firm or applicant in training data. All employer details require verification through official channels.

Risk Factors

Category	Severity	Description
Application	High	Massive underdisclosure: declared IDR 77M debt vs bureau IDR 845M (997% gap) - indicates deception or lack of awareness
Bureau	High	Extreme debt burden: IDR 845M total outstanding (568% DTI) with 5 active paylater loans including DPD 90+ Danabijak loan
Bureau	High	Active delinquency across multiple channels: 5 current DPD accounts including severe 90+ days past due
Banking	Medium	Pegadaian transaction (IDR 7.2M) suggests pawning assets, indicating financial stress
Income	Medium	Income appears elevated for admin assistant role (IDR 12.4M) and requires verification
Bureau	Medium	Recent aggressive borrowing pattern: multiple large paylater loans taken in 2025 (Julo IDR 18.5M, Gopay IDR 15M)

Executive Summary

DECLINE RECOMMENDED. This application presents severe credit risk with massive debt underdisclosure (997% gap), extreme leverage (568% DTI), active delinquencies including 90+ DPD, and signs of financial distress (pawning assets). The applicant has IDR 845M total debt across 57 facilities while declaring only IDR 77M. Recent aggressive paylater borrowing and current payment difficulties across multiple channels indicate high re-leveraging risk and inability to service existing obligations. The income level also appears questionable for the stated role.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address and how long you've lived there? Who else lives with you?
   Why: Verify address stability and household composition for expense validation
2. Please describe your role as Admin Assistant at HBT Law Firm and your main responsibilities
   Why: Verify employment details and assess if income level matches role complexity
3. How many employees work at HBT Law Firm and what type of legal services do they provide?
   Why: Assess employer size and stability to validate income level
4. Can you provide your latest 3 payslips and employment letter for verification?
   Why: Document verification for income and employment claims

Income

1. Your salary seems quite high for an admin role. Can you explain your compensation structure - is this base salary plus bonuses?
   Why: Validate unusually high income for stated position
2. Are your salary payments always on time? Any delays or irregular payments recently?
   Why: Assess income stability and employer financial health

Debt Background

1. You declared IDR 77M in debt, but our records show much higher amounts. Can you list ALL your current loans including paylater apps?
   Why: Address massive underdisclosure and assess honesty
2. Why did you take multiple paylater loans in 2025 (Julo, Gopay, Indodana, Danabijak)? What was the money used for?
   Why: Understand debt accumulation pattern and spending behavior
3. Some of your loans are currently overdue. Why are you having difficulty making payments?
   Why: Assess current financial stress and payment capacity
4. Have you missed any loan payments in the last 6 months? If yes, which lenders and why?
   Why: Confirm delinquency details and assess payment behavior

Expense Validation

1. We see a IDR 7.2M Pegadaian transaction. What did you pawn and why?
   Why: Understand financial stress indicators and asset liquidation
2. Your monthly expenses are IDR 5M for a family of 3. Please break this down - food, utilities, transport, etc.
   Why: Validate expense estimates and identify hidden costs

Future Plans

1. If we consolidate your loans, how will you ensure you don't take additional debt?
   Why: Assess re-leveraging risk and financial discipline
2. Do you have any assets, side income, or expected lump sums that could help with debt repayment?
   Why: Identify additional repayment capacity or collateral options

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-10T08:21:53.848974