📋 Credit Summary — Pre-Interview Brief

Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX · Generated: 09 May 2026, 12:49 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 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 - insufficient data on Indonesian law firm admin salaries
Plausibility verdict	Cannot assess
Comment	12.4M IDR/month seems high for admin role but law firms may pay premiums; needs verification

Policy Implications (high-confidence only)

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

Disclaimer: HBT Law Firm is not in training data - all employer information requires verification through official sources

Risk Factors

Category	Severity	Description
Bureau	High	Massive debt burden of IDR 845M vs declared IDR 77M - customer severely underdeclared existing obligations by 997%
Bureau	High	Multiple active delinquencies: Danabijak DPD 90+ (IDR 91.7M), 4 other paylater loans in DPD 1-90 status
Bureau	High	Extreme debt-to-income ratio of 568% and income multiplier of 5.68x indicating severe over-leveraging
Application	High	Deliberate misrepresentation - declared zero EMI despite IDR 5.7M monthly loan payments visible in bank statements
Banking	Medium	Pegadaian transaction (IDR 7.2M) suggests pawning assets, indicating financial distress
Income	Medium	Income of IDR 12.4M appears elevated for Admin Assistant role at unknown law firm - requires verification

Executive Summary

DECLINE RECOMMENDED. This application presents severe credit risk with massive debt concealment (IDR 845M actual vs IDR 77M declared), active delinquencies across multiple lenders including DPD 90+ status, and deliberate misrepresentation of financial obligations. The customer is severely over-leveraged with 568% DTI ratio and shows signs of financial distress through pawning activities. The debt consolidation would not address the underlying behavioral issues and re-leveraging risk is extremely high.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address and how long you've been living 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. How long has the firm been in operation?
   Why: Verify employment details and assess employer stability given unknown firm profile
3. What is your supervisor's name and contact number? Can you provide the firm's official address and phone number?
   Why: Enable employment verification given unknown employer profile

Debt Background

1. You declared IDR 77M in existing loans, but our bureau check shows IDR 845M total debt including Danabijak, Julo, Gopay, and others. Can you explain this massive discrepancy?
   Why: Address severe debt concealment and assess honesty/awareness of obligations
2. Your Danabijak loan of IDR 91.7M is currently 90+ days overdue. What happened and what steps are you taking to resolve this?
   Why: Understand delinquency causes and current financial management capability
3. Why did you accumulate so many loans across different platforms (Julo, Gopay, Indodana, etc.)? What was the money used for?
   Why: Assess debt accumulation behavior and underlying financial discipline

Income

1. Your salary of IDR 12.4M seems high for an admin assistant role. Can you break down your compensation structure including base salary, allowances, and bonuses?
   Why: Verify income plausibility given role-income mismatch concern
2. Are your salary payments always on time? Have there been any delays or reductions in the past year?
   Why: Assess income stability and employer financial health
3. Do you have any side income, freelance work, or business activities beyond your main job?
   Why: Identify additional income sources that could support debt servicing

Expense Validation

1. You declared IDR 5M monthly expenses. Can you break this down by category - household, food, transportation, utilities, family support?
   Why: Validate expense declaration and assess spending discipline
2. We see regular IDR 500K arisan payments in your bank account. Are there other regular commitments not mentioned in your application?
   Why: Identify additional financial obligations affecting cash flow
3. There's a IDR 7.2M Pegadaian transaction in your recent bank statement. What did you pawn and why?
   Why: Understand financial distress indicators and asset liquidation behavior

Future Plans

1. If we consolidate your loans, how will you ensure you don't take additional debt from other platforms?
   Why: Assess re-leveraging risk and financial discipline commitment
2. Do you have any assets, investments, or expected lump-sum income (bonus, inheritance, property sale) that could help with debt repayment?
   Why: Identify additional repayment capacity or collateral potential

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-09T12:49:50.628900