Final Decision
Final review. Set the approve/decline decision, approved amount (may differ from requested), tenor, and any conditions to attach. Once submitted, the customer report and Excel template will be generated reflecting these values.
System Recommendation
Decline
Risk Rating
Very High
Internal Score
250/100
Key Ratios · computed 2026-05-11 02:49:33
TOIR (Post-Consolidation Affordability)
PRIMARY
175.28%
FOIR (Fixed Obligations / Income)
PRIMARY
62.50%
Debt-to-Income (Annual)
879.94%
Total Debt / Annual Income
8.80x
Residual Monthly Income (post all outflows)
Rp 0
Bank-detected vs Declared Income
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Risk Factors (5)
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Bureau High Massive debt underreporting: declared IDR 200M vs bureau IDR 845M outstanding (322% gap). Customer hiding IDR 645M in debt including DPD 90+ Danabijak loan of IDR 92M
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Bureau High Active delinquencies across multiple paylater providers: Danabijak (DPD 90+), Julo, Gopay, Indodana all showing 1-90 days past due status
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Application High Critical ratio failures: TOIR 175% and FOIR 62.5% both exceed policy gates (130%/60% respectively), indicating severe overleverage
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Income Medium Income appears inflated for role: IDR 8M for administrative staff with SMA education seems excessive for Bekasi market
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Banking Medium No meaningful banking data available for income verification despite claiming IDR 8M monthly salary
Interview Questions (14)
- Can you confirm your current residential address at Perumahan Kirana Cikarang D16, RT 13 RW 21, and how long have you lived there?
- You mentioned having 2 dependents - can you tell me their ages and relationship to you?
- What is your exact job title and main responsibilities at PT Madusari Nusaperdana?
- Can you provide your direct supervisor's name and contact number for employment verification?
- You declared IDR 200M in existing loans, but our bureau check shows IDR 845M total debt. Can you explain this massive difference?
- Your Danabijak loan of IDR 92M is showing as 90+ days overdue. What happened and why haven't you been paying?
- Why did you accumulate so many paylater loans (Julo, Gopay, Indodana, Danabijak) - what was the money used for?
- Your salary of IDR 8M seems high for an administrative staff role. Can you break down your salary components (basic, allowances, overtime)?
- Have you experienced any salary delays or cuts in the past 6 months? Is your company financially stable?
- Do you have any side income, business activities, or other sources of money beyond your salary?