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📋 Credit Summary — Pre-Interview Brief
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\n Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX ·\n Generated: 10 May 2026, 08:21 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: ccxds d
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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 |
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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 admin assistant role and requires verification |
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\n Disclaimer: No information available about HBT Law Firm or applicant in training data. All employer details require verification through official channels.\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Application | \n High | \n Massive underdisclosure: declared IDR 77M debt vs bureau IDR 845M (997% gap) - indicates deception or lack of awareness |
| Bureau | \n High | \n Extreme debt burden: IDR 845M total outstanding (568% DTI) with 5 active paylater loans including DPD 90+ Danabijak loan |
| Bureau | \n High | \n Active delinquency across multiple channels: 5 current DPD accounts including severe 90+ days past due |
| Banking | \n Medium | \n Pegadaian transaction (IDR 7.2M) suggests pawning assets, indicating financial stress |
| Income | \n Medium | \n Income appears elevated for admin assistant role (IDR 12.4M) and requires verification |
| Bureau | \n Medium | \n Recent aggressive borrowing pattern: multiple large paylater loans taken in 2025 (Julo IDR 18.5M, Gopay IDR 15M) |
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Executive Summary
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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.
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Interview Question Bank (14 questions)
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Verification
- \n Can you confirm your current residential address and how long you've lived there? Who else lives with you?\n
Why: Verify address stability and household composition for expense validation\n - \n Please describe your role as Admin Assistant at HBT Law Firm and your main responsibilities\n
Why: Verify employment details and assess if income level matches role complexity\n - \n How many employees work at HBT Law Firm and what type of legal services do they provide?\n
Why: Assess employer size and stability to validate income level\n - \n Can you provide your latest 3 payslips and employment letter for verification?\n
Why: Document verification for income and employment claims\n
Income
- \n Your salary seems quite high for an admin role. Can you explain your compensation structure - is this base salary plus bonuses?\n
Why: Validate unusually high income for stated position\n - \n Are your salary payments always on time? Any delays or irregular payments recently?\n
Why: Assess income stability and employer financial health\n
Debt Background
- \n You declared IDR 77M in debt, but our records show much higher amounts. Can you list ALL your current loans including paylater apps?\n
Why: Address massive underdisclosure and assess honesty\n - \n Why did you take multiple paylater loans in 2025 (Julo, Gopay, Indodana, Danabijak)? What was the money used for?\n
Why: Understand debt accumulation pattern and spending behavior\n - \n Some of your loans are currently overdue. Why are you having difficulty making payments?\n
Why: Assess current financial stress and payment capacity\n - \n Have you missed any loan payments in the last 6 months? If yes, which lenders and why?\n
Why: Confirm delinquency details and assess payment behavior\n
Expense Validation
- \n We see a IDR 7.2M Pegadaian transaction. What did you pawn and why?\n
Why: Understand financial stress indicators and asset liquidation\n - \n Your monthly expenses are IDR 5M for a family of 3. Please break this down - food, utilities, transport, etc.\n
Why: Validate expense estimates and identify hidden costs\n
Future Plans
- \n If we consolidate your loans, how will you ensure you don't take additional debt?\n
Why: Assess re-leveraging risk and financial discipline\n - \n Do you have any assets, side income, or expected lump sums that could help with debt repayment?\n
Why: Identify additional repayment capacity or collateral options\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: 2026-05-10T08:21:53.848974\n
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