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📋 Credit Summary — Pre-Interview Brief
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\n Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX ·\n Generated: 05 May 2026, 08:57 WIB\n
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Recommendation
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Approved
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\n Risk: Medium ·\n Internal Score: 650/100 ·\n Eligibility: PROCEED_WITH_CHECKS\n
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Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: eger
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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=86.3%, 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 + SLIK) | \n Rp 101,763,769 | \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 101,763,769 —\n gap of Rp 24,763,769. Probe in interview.\n
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Credit Ratios
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\n | Metric | Value | Band | Benchmark |
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\n \n | TOIR (Total Outflows / Income) PRIMARY | \n 86.29% | \n Green | \n ≤ 100% Green | 100-130% Amber | > 130% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\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 68.39% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 0.68x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n 1700000.0IDR | \n Red | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n 120.5% | \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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Risk Factors
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\n | Category | Severity | Description |
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\n | Application | \n High | \n Customer significantly underdeclared debt obligations by IDR 24.8M (declared IDR 77M vs bureau IDR 101.8M). This represents a 32% understatement and raises concerns about transparency and potential hidden liabilities. |
| Bureau | \n Medium | \n Aggressive borrowing pattern with 13 active credit facilities across multiple providers including traditional banks and fintech platforms. Current minor delinquency with BRI Ceria (4 DPD) indicates payment stress. |
| Banking | \n Medium | \n Low residual income of IDR 1.7M after all obligations creates financial vulnerability. Single large Pegadaian transaction of IDR 7.2M in month 3 suggests potential liquidity stress requiring pawn shop services. |
| Income | \n Low | \n Income appears stable with consistent salary payments, though there's variation (IDR 13.2M to IDR 16M) that needs verification for sustainability. |
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Executive Summary
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46-year-old admin assistant seeking debt consolidation for IDR 77M declared debt, but bureau shows IDR 101.8M across 13 facilities. While employment appears stable and income ratios pass gates, the significant debt understatement and aggressive borrowing pattern across multiple fintech platforms raise transparency concerns. Recent Pegadaian transaction suggests liquidity pressure. Recommend conditional approval with enhanced monitoring and verification requirements.
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Interview Question Bank (13 questions)
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Verification
- \n Can you confirm your current residential address at Harapan Jaya, Cibinong? How long have you lived there and do you own or rent this property?\n
Why: Verify address stability and housing ownership as declared\n - \n You mentioned having 1 dependent. Can you tell me about your family situation - who lives with you and their ages?\n
Why: Confirm dependent count and assess actual household expenses\n - \n How long have you been working at HBT Law Firm and what are your main responsibilities as Admin Assistant?\n
Why: Verify employment tenure and job stability\n - \n Is your salary of IDR 12.4M paid consistently each month, or do you receive bonuses or variable components?\n
Why: Bank shows income variation from IDR 13.2M to IDR 16M - need to understand income structure\n
Debt Background
- \n You declared IDR 77M in debt, but our bureau check shows IDR 101.8M across 13 different lenders. Can you explain this difference and provide details of all your current loans?\n
Why: Address the significant understatement of debt obligations - critical transparency issue\n - \n How did you accumulate debt across so many different platforms - Jago, BCA, Seabank, Shopee, Gopay, etc.? What was the original purpose of these loans?\n
Why: Understand borrowing behavior and assess re-leveraging risk\n - \n You have a current late payment with BRI Ceria (4 days overdue). What caused this delay and how do you plan to manage payments going forward?\n
Why: Assess payment discipline and current financial stress\n
Income
- \n Has there been any recent change in your salary or job responsibilities? Are there any concerns about job security at the law firm?\n
Why: Verify income sustainability and employment stability\n
Expense Validation
- \n You declared IDR 5M monthly expenses. Can you break this down - how much for household needs, utilities, transportation, and family support?\n
Why: Validate expense estimates against low residual income of IDR 1.7M\n - \n I see regular IDR 500K monthly payments for 'Arisan' in your bank statement. Can you explain what this is for?\n
Why: Understand this recurring expense and its necessity\n
Future Plans
- \n In March, you received IDR 7.2M from Pegadaian (pawn shop). What did you pawn and why did you need this money?\n
Why: Understand liquidity stress and assess if this indicates deeper financial problems\n - \n After consolidating your debt, how will you ensure you don't take on additional loans? What's your plan to avoid re-leveraging?\n
Why: Assess commitment to debt discipline and re-leveraging risk\n - \n Do you have any side income, assets you could sell, or expect any lump sum payments (bonus, inheritance, etc.) that could help with debt repayment?\n
Why: Assess additional repayment capacity beyond regular salary\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: 2026-05-05T08:57:04.697855\n
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