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๐ Credit Summary โ Pre-Interview Brief
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\n Tris Retno Aryani ยท KTP: 3273024412910004 ยท\n Generated: 11 May 2026, 02:47 WIB\n
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Recommendation
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Approved
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\n Risk: Very High ยท\n Internal Score: 250/100 ยท\n Eligibility: PROCEED_WITH_CHECKS\n
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Analyst Decision: Rp 0 for 24 months ยท Reviewed by ninad@flin.co.id ยท Notes: fvdvfd
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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 82,901,256 | \n โ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR โค 130% OR FOIR โค 60% | \n TOIR=107.6%, FOIR=281.9% | \n โ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KOTA TANGERANG, BANTEN | \n โ Pass |
\n | Minimum Education | โฅ Senior High School (SMA) | \n S1 | \n โ Pass |
\n | Employer Type | State-Owned / Government / Private | \n SWASTA | \n โ Pass |
\n | Employment Contract | Permanent / Karyawan Tetap | \n KARYAWAN TETAP | \n โ Pass |
\n | Employer in business > 5 years | > 5 years | \n Manual verification required | \n โ Manual |
\n | Tenure in Current Company | โฅ 1 year | \n 4 years | \n โ Pass |
\n | Total Work Experience | โฅ 3 years | \n 10 years | \n โ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 13,500,000 | \n โ 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 82,901,256 | \n Rp 38,052,226 |
\n | Bureau (AFPI + CLIK) | \n Rp 844,744,266 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n โ | \n Rp 0 |
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\n โ ๏ธ Customer underdeclared debt:\n Customer declared Rp 82,901,256 but bureau shows\n Rp 844,744,266 โ\n gap of Rp 761,843,010. Probe in interview.\n
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AFPI Bureau Analysis\n \n 43 loans ยท\n Rp 137.401.302 outstanding ยท\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 ร Loan Status (Count)
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| L | O |
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| DPD 0 | 38 | โ |
| DPD 1-30 | โ | 3 |
| DPD 61-90 | โ | 1 |
| DPD 90+ | โ | 1 |
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Collectibility ร Loan Status (Outstanding Loan Value)
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| L | O |
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| DPD 0 | Rp 0 | โ |
| DPD 1-30 | โ | Rp 33.216.667 |
| DPD 61-90 | โ | Rp 12.498.000 |
| DPD 90+ | โ | Rp 91.686.635 |
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Year ร Loan Status (Count)
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| L | O |
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| 2023 | 28 | โ |
| 2024 | 7 | โ |
| 2025 | 3 | 5 |
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Year ร Collectibility Status (Count)
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| DPD 0 | DPD 1-30 | DPD 61-90 | DPD 90+ |
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| 2023 | 28 | โ | โ | โ |
| 2024 | 7 | โ | โ | โ |
| 2025 | 3 | 3 | 1 | 1 |
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CLIK Bureau Analysis\n \n 52 loans ยท\n Rp 707.342.964 debit balance ยท\n DPD mean 0.15, max 8.0 days\n \n
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\n Secured: 3 loans, Rp 371.074.010 ยท\n Unsecured: 49 loans, Rp 336.268.954 ยท\n Total disbursed (Initial Credit Limit): Rp 1.205.022.283\n
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CLIK โ Combined (secured + unsecured)
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Contract Phase ร DPD Bucket (count)
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Contract Status ร 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 ร 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 โ Secured
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Contract Phase ร DPD Bucket (count)
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Contract Status ร DPD Bucket (count)
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| Current |
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| Active Facilities | 3 |
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DPD Bucket ร 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 โ Unsecured
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Contract Phase ร DPD Bucket (count)
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Contract Status ร 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 ร 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 107.57% | \n Amber | \n โค 100% Green | 100-130% Amber | > 130% Red (gate: TOIR โค 130% OR FOIR โค 60%) โ (FLIN EMI + secured EMI + expenses + rent) / declared income |
\n | FOIR (Fixed Obligations / Income) PRIMARY | \n 281.87% | \n Red | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR โค 130% OR FOIR โค 60%) |
\n | Debt-to-Income (Annual) | \n 521.45% | \n Red | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 5.21x | \n Red | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp -28,052,226 | \n Red | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n N/A | \n Red | \n โฅ 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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Occupational & Profile Check\n \n LLM knowledge estimate ยท no live web evidence\n โ Verify before relying\n
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\n Employer ยท PT Sharing Vision Indonesia\n Confidence: Unknown\n
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\n | 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 | โ |
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\n Applicant ยท Tris Retno Aryani\n Confidence: Low\n
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\n | 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 |
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Policy Implications (high-confidence only)
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\n | Category | Severity | Note |
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\n | Industry | Medium | Employer industry unknown - requires verification for sector risk assessment |
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\n Disclaimer: PT Sharing Vision Indonesia is not found in training data. All employer information requires independent verification through business registries or other official sources.\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Bureau | \n High | \n 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 | \n High | \n 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 | \n High | \n 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 | \n Medium | \n Negative cash flow: Residual income of -IDR 28M monthly after existing obligations. Customer cannot afford current debt structure, let alone additional consolidation loan. |
| Banking | \n Medium | \n No banking data available for income verification despite providing bank statement URL. Cannot validate declared income of IDR 13.5M monthly. |
| Application | \n Medium | \n Unknown employer verification: PT Sharing Vision Indonesia not found in training data, requiring manual verification of employment stability and income legitimacy. |
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Executive Summary
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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.
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Interview Question Bank (15 questions)
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Verification
- \n 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?\n
Why: Address verification and residential stability assessment\n - \n You mentioned having 0 dependents despite being married. Can you explain your household composition and any financial responsibilities for family members?\n
Why: Verify declared dependents and understand hidden family expenses\n - \n Please describe your role as 'Staf Konsultan' at PT Sharing Vision Indonesia. What type of consulting services does the company provide?\n
Why: Verify employment details and understand company/industry for income validation\n - \n Can you provide your direct supervisor's name and contact number for employment verification?\n
Why: Enable employment verification given unknown employer profile\n - \n 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?\n
Why: Obtain banking data for income verification given current data gap\n
Debt Background
- \n 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?\n
Why: Address massive debt underdeclaration and assess honesty/financial awareness\n - \n 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?\n
Why: Understand reason for severe delinquency and current financial distress\n - \n How did you accumulate over IDR 800M in total debt across multiple lenders? What were these funds used for?\n
Why: Understand debt accumulation pattern and assess re-leveraging risk\n
Income
- \n Your declared monthly salary is IDR 13.5M. Is this your base salary or does it include bonuses/allowances? Please break down the components.\n
Why: Validate income sustainability and understand income composition\n - \n Have you experienced any salary delays or reductions in the past 6 months? What is the payment schedule at your company?\n
Why: Assess income stability and payment reliability\n - \n Do you have any side income, freelance work, or other sources of money beyond your main salary?\n
Why: Identify additional income sources that could support debt servicing\n
Expense Validation
- \n You declared IDR 3.5M monthly expenses. Please break this down - how much for food, transportation, utilities, family support, and other categories?\n
Why: Validate expense declaration and identify hidden costs\n - \n What is your housing situation? Do you own, rent, or live with family? If renting, what is the monthly cost?\n
Why: Verify housing costs not captured in declared expenses\n
Future Plans
- \n Do you have any assets, savings, or expected lump-sum payments (bonus, inheritance, property sale) that could help with debt repayment?\n
Why: Assess additional repayment capacity beyond monthly income\n - \n 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?\n
Why: Assess re-leveraging risk and financial discipline\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: 2026-05-11T02:47:38.098753\n
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