📋 Credit Summary — Pre-Interview Brief

Tris Retno Aryani · KTP: 3273024412910004 · Generated: 11 May 2026, 02:47 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 82,901,256	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=107.6%, FOIR=281.9%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA TANGERANG, BANTEN	✓ Pass
Minimum Education	≥ Senior High School (SMA)	S1	✓ 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 13,500,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 82,901,256	Rp 38,052,226
Bureau (AFPI + CLIK)	Rp 844,744,266	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 0

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	107.57%	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	281.87%	Red	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	521.45%	Red	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	5.21x	Red	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp -28,052,226	Red	> IDR 5M Green | 2-5M Amber | < 2M Red
Bank-detected vs Declared Income	N/A	Red	≥ 90% Green | 75-90% Amber | < 75% Red

Bank Statement Category Pivot (Top 12 by Volume)

Category	Month 1	Month 2	Month 3	Avg/Mo

Occupational & Profile Check LLM knowledge estimate · no live web evidence ⚠ Verify before relying

Employer · PT Sharing Vision Indonesia  Confidence: Unknown

Profile	Unknown - this appears to be a private Indonesian company not found in my 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 · Tris Retno Aryani  Confidence: Low

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Mid
Tenure observation	4+ years tenure as stated aligns with mid-level 'Staf Konsultan' role
Declared income (IDR/mo)	Rp 13,500,000
Expected range for role	Cannot estimate - employer and specific role context unknown
Plausibility verdict	Cannot assess
Comment	Without knowing the employer's industry or specific consulting domain, cannot validate income appropriateness

Policy Implications (high-confidence only)

Category	Severity	Note
Industry	Medium	Employer industry unknown - requires verification for sector risk assessment

Disclaimer: PT Sharing Vision Indonesia is not found in training data. All employer information requires independent verification through business registries or other official sources.

Risk Factors

Category	Severity	Description
Bureau	High	Massive debt underdeclaration: Customer declared IDR 82.9M but bureau shows IDR 844.7M total outstanding (919% gap). This indicates either deliberate concealment or complete lack of financial awareness.
Bureau	High	Active severe delinquencies: Danabijak loan DPD 90+ (IDR 91.7M), Indodana DPD 61-90 (IDR 12.5M), and 3 other paylater loans DPD 1-30. Shows inability to service current obligations.
Bureau	High	Extreme debt burden: DTI 521% and total debt 5.21x annual income. Customer is severely over-leveraged with IDR 844M total debt against IDR 13.5M monthly income.
Income	Medium	Negative cash flow: Residual income of -IDR 28M monthly after existing obligations. Customer cannot afford current debt structure, let alone additional consolidation loan.
Banking	Medium	No banking data available for income verification despite providing bank statement URL. Cannot validate declared income of IDR 13.5M monthly.
Application	Medium	Unknown employer verification: PT Sharing Vision Indonesia not found in training data, requiring manual verification of employment stability and income legitimacy.

Executive Summary

DECLINE RECOMMENDATION: This application presents extreme credit risk with customer declaring only 10% of actual debt burden (IDR 82.9M vs IDR 844.7M bureau total). Multiple active severe delinquencies including DPD 90+ status indicate current financial distress. With DTI of 521% and negative monthly cash flow of IDR 28M, customer is mathematically unable to service existing obligations. The massive underdeclaration suggests either deliberate fraud or complete financial mismanagement. Consolidation would not solve the underlying affordability crisis and poses unacceptable loss risk.

Interview Question Bank (15 questions)

Verification

1. Can you confirm your current residential address at Jl Adisucipto No.70, RT 2 RW 9, Belendung, Benda, Kota Tangerang? How long have you lived there?
   Why: Address verification and residential stability assessment
2. You mentioned having 0 dependents despite being married. Can you explain your household composition and any financial responsibilities for family members?
   Why: Verify declared dependents and understand hidden family expenses
3. Please describe your role as 'Staf Konsultan' at PT Sharing Vision Indonesia. What type of consulting services does the company provide?
   Why: Verify employment details and understand company/industry for income validation
4. Can you provide your direct supervisor's name and contact number for employment verification?
   Why: Enable employment verification given unknown employer profile
5. We couldn't process your bank statement data. Can you provide a fresh 3-month bank statement showing your salary credits and explain any large transactions?
   Why: Obtain banking data for income verification given current data gap

Debt Background

1. You declared IDR 82.9M in existing loans, but our bureau check shows much higher debt levels including loans from Danabijak, Julo, Indodana, and Gopay. Can you explain this discrepancy?
   Why: Address massive debt underdeclaration and assess honesty/financial awareness
2. Your Danabijak loan of IDR 91.7M is currently 90+ days overdue. What happened with this payment and what steps are you taking to resolve it?
   Why: Understand reason for severe delinquency and current financial distress
3. How did you accumulate over IDR 800M in total debt across multiple lenders? What were these funds used for?
   Why: Understand debt accumulation pattern and assess re-leveraging risk

Income

1. Your declared monthly salary is IDR 13.5M. Is this your base salary or does it include bonuses/allowances? Please break down the components.
   Why: Validate income sustainability and understand income composition
2. Have you experienced any salary delays or reductions in the past 6 months? What is the payment schedule at your company?
   Why: Assess income stability and payment reliability
3. Do you have any side income, freelance work, or other sources of money beyond your main salary?
   Why: Identify additional income sources that could support debt servicing

Expense Validation

1. You declared IDR 3.5M monthly expenses. Please break this down - how much for food, transportation, utilities, family support, and other categories?
   Why: Validate expense declaration and identify hidden costs
2. What is your housing situation? Do you own, rent, or live with family? If renting, what is the monthly cost?
   Why: Verify housing costs not captured in declared expenses

Future Plans

1. Do you have any assets, savings, or expected lump-sum payments (bonus, inheritance, property sale) that could help with debt repayment?
   Why: Assess additional repayment capacity beyond monthly income
2. If we consolidate your loans, how will you ensure you don't take additional debt from other lenders? What's your plan to avoid re-leveraging?
   Why: Assess re-leveraging risk and financial discipline

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-11T02:47:38.098753