📋 Credit Summary — Pre-Interview Brief

DANI IRYANA · KTP: 3174030105830014 · Generated: 11 May 2026, 18:59 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 50,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=87.0%, FOIR=0.0%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA TANGERANG SELATAN, 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 8,000,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 50,000,000	Rp 0
Bureau (AFPI + CLIK)	Rp 129,716,431	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 0

AFPI Bureau Analysis 292 loans · Rp 39.952.761 outstanding · 9 Pinjol(s)

Collectibility × Loan Status (Count)

	L	F	W
DPD 0	162	—	—
DPD 1-30	119	—	—
DPD 90+	—	2	9

Collectibility × Loan Status (Outstanding Loan Value)

	L	F	W
DPD 0	Rp 0	—	—
DPD 1-30	Rp 0	—	—
DPD 90+	—	Rp 11.449.999	Rp 28.502.762

Year × Loan Status (Count)

	L	F	W
2018	10	—	—
2019	19	—	—
2020	28	—	—
2021	76	—	—
2022	84	2	9
2023	64	—	—

Year × Collectibility Status (Count)

	DPD 0	DPD 1-30	DPD 90+
2018	10	—	—
2019	12	7	—
2020	13	15	—
2021	56	20	—
2022	46	38	11
2023	25	39	—

CLIK Bureau Analysis 9 loans · Rp 89.763.670 debit balance · DPD mean 12.22, max 58.0 days

Secured: 1 loans, Rp 53.999.306 · Unsecured: 8 loans, Rp 35.764.364 · Total disbursed (Initial Credit Limit): Rp 151.080.000

CLIK — Combined (secured + unsecured)

CLIK — Secured

CLIK — Unsecured

Credit Ratios

Metric	Value	Band	Benchmark
TOIR (Post-Consolidation Affordability) PRIMARY	87.03%	Green	≤ 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	0.00%	Green	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	135.12%	Green	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	1.35x	Green	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp 4,000,000	Amber	> 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	04/2026	11/2026	12/2026	Avg/Mo
Miscellaneous	Rp 4,514,756	Rp 9,995,484	Rp 5,676,386	Rp 7,405,918
Cash Withdrawal	Rp -5,750,000	Rp 0	Rp 0	Rp -3,975,000
Bank Charges	Rp -17,000	Rp 0	Rp 0	Rp -8,000
Cash Deposit	Rp 0	Rp 0	Rp 0	Rp 3,750

Occupational & Profile Check Section did not run for this application

The profile-check agent did not produce output. This usually means the application was fast-tracked to decline before the synthesis stage, or the agent failed silently (check pipeline logs for 'profile_check' entries).

Risk Factors

Category	Severity	Description
Bureau	High	Wilful default status with 9 write-offs totaling IDR 39.9M from multiple lenders (Easy Cash, Kredito, Adapundi, Pinjam Yuk, AdaKami)
Bureau	High	Massive debt exposure of IDR 129.7M across 301 tradelines vs declared IDR 50M - customer severely underdeclared existing obligations
Bureau	High	Current delinquencies on 3 active accounts with DPDs of 14, 58, and 38 days showing ongoing payment difficulties
Application	High	Material misrepresentation - declared EMI as zero despite having multiple active loans with outstanding balances
Banking	High	No detectable salary credits in 8 months of banking data despite claiming IDR 8M monthly income from CIMB Niaga Finance
Bureau	Medium	Extremely high interest rates on existing loans (59-72% p.a.) indicating desperation borrowing from high-risk lenders

Executive Summary

STRONG DECLINE RECOMMENDATION. This applicant presents multiple severe red flags including wilful default status, 9 write-offs totaling IDR 39.9M, massive underdeclaration of existing debt (IDR 129.7M actual vs IDR 50M declared), and complete absence of salary evidence in banking records despite claiming employment at a major financial institution. The combination of dishonesty, current delinquencies, and unverifiable income makes this an unacceptable credit risk for debt consolidation.

Interview Question Bank (13 questions)

Verification

1. Can you confirm your current residential address at 60 E Kamp Kamurang Atas, RT 5 RW 1, Paku Alam, Serpong Utara? How long have you lived there?
   Why: Verify address stability and current residence
2. You mentioned having 1 dependent. Can you tell me about your family situation - who is this dependent and what are their monthly expenses?
   Why: Verify family composition and understand expense obligations
3. You work as Account Payment Central Staff at PT CIMB Niaga Finance. What is your employee ID number and direct supervisor's name?
   Why: Verify employment details for potential employer contact

Income

1. Your salary is IDR 8 million per month. Which bank account does CIMB Niaga Finance deposit your salary to, and on what date each month?
   Why: Critical - no salary detected in provided bank statement despite employment claim
2. We don't see regular salary deposits in your bank statement. Can you explain why and provide statements from the account where you receive your salary?
   Why: Address major discrepancy between claimed income and banking evidence

Debt Background

1. You declared IDR 50 million in existing debt, but our bureau check shows IDR 129.7 million across multiple lenders. Can you explain this significant difference?
   Why: Address severe underdeclaration of existing obligations
2. We see you have write-offs with Easy Cash (IDR 7.2M), Kredito (IDR 5M), Adapundi (IDR 3.6M), and Pinjam Yuk (IDR 3M). What happened with these loans and why did you stop paying?
   Why: Understand circumstances behind multiple defaults and assess willingness to pay
3. You currently have overdue payments on AdaKami (14 days), Kredito (58 days), and Bank Jago (38 days). Why are these payments delayed?
   Why: Assess current financial stress and payment capacity
4. What motivated you to seek debt consolidation now, and how do you plan to avoid accumulating new debt after consolidation?
   Why: Assess consolidation motivation and re-leveraging risk

Expense Validation

1. You declared IDR 4 million monthly expenses. Can you break this down - how much for food, utilities, transportation, family support, and other categories?
   Why: Validate expense declaration and understand spending patterns
2. Your bank statement shows average monthly outflows of IDR 11.4 million. This is much higher than your declared IDR 4 million expenses. Can you explain this difference?
   Why: Address major discrepancy between declared and actual spending

Future Plans

1. Do you have any assets, side income, or expected lump sum payments (bonus, inheritance, property sale) that could help with debt repayment?
   Why: Assess additional repayment capacity beyond regular salary
2. Given your current financial difficulties, what specific changes will you make to ensure you can afford the consolidated loan payments?
   Why: Assess realistic repayment plan and financial discipline

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-11T18:59:04.686593