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📋 Credit Summary — Pre-Interview Brief
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\n DANI IRYANA · KTP: 3174030105830014 ·\n Generated: 11 May 2026, 18:59 WIB\n
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Recommendation
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Approved
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\n Risk: Very High ·\n Internal Score: 250/100 ·\n Eligibility: PROCEED_WITH_CHECKS\n
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Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: grt
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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 50,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=87.0%, FOIR=0.0% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KOTA TANGERANG SELATAN, BANTEN | \n ✓ Pass |
\n | Minimum Education | ≥ Senior High School (SMA) | \n S1 | \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 8,000,000 | \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 50,000,000 | \n Rp 0 |
\n | Bureau (AFPI + CLIK) | \n Rp 129,716,431 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 0 |
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\n ⚠️ Customer underdeclared debt:\n Customer declared Rp 50,000,000 but bureau shows\n Rp 129,716,431 —\n gap of Rp 79,716,431. Probe in interview.\n
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AFPI Bureau Analysis\n \n 292 loans ·\n Rp 39.952.761 outstanding ·\n 9 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 | Easy Cash | 4 | Rp 22.899.998 |
| Kredito | 1 | Rp 5.000.000 |
| Adapundi | 1 | Rp 3.600.000 |
| Pinjam Yuk | 8 | Rp 3.000.000 |
| AdaKami | 7 | Rp 2.852.765 |
| KTA Kilat | 3 | Rp 2.599.998 |
| Gopay Later / Gopay Pinjam | 252 | Rp 0 |
| Kredit Pintar | 13 | Rp 0 |
| Asetku / Akulaku | 3 | 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 0 | 162 |
| DPD 1-30 | 119 |
| DPD 90+ | 11 |
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Collectibility × Loan Status (Count)
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| L | F | W |
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| DPD 0 | 162 | — | — |
| DPD 1-30 | 119 | — | — |
| DPD 90+ | — | 2 | 9 |
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Collectibility × Loan Status (Outstanding Loan Value)
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| L | F | W |
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| DPD 0 | Rp 0 | — | — |
| DPD 1-30 | Rp 0 | — | — |
| DPD 90+ | — | Rp 11.449.999 | Rp 28.502.762 |
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Year × Loan Status (Count)
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| L | F | W |
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| 2018 | 10 | — | — |
| 2019 | 19 | — | — |
| 2020 | 28 | — | — |
| 2021 | 76 | — | — |
| 2022 | 84 | 2 | 9 |
| 2023 | 64 | — | — |
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Year × Collectibility Status (Count)
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| DPD 0 | DPD 1-30 | DPD 90+ |
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| 2018 | 10 | — | — |
| 2019 | 12 | 7 | — |
| 2020 | 13 | 15 | — |
| 2021 | 56 | 20 | — |
| 2022 | 46 | 38 | 11 |
| 2023 | 25 | 39 | — |
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CLIK Bureau Analysis\n \n 9 loans ·\n Rp 89.763.670 debit balance ·\n DPD mean 12.22, max 58.0 days\n \n
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\n Secured: 1 loans, Rp 53.999.306 ·\n Unsecured: 8 loans, Rp 35.764.364 ·\n Total disbursed (Initial Credit Limit): Rp 151.080.000\n
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CLIK — Combined (secured + unsecured)
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Contract Phase × DPD Bucket (count)
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Contract Status × DPD Bucket (count)
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| Current | DPD 1-89 |
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| Active Facilities | 6 | 3 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 82.219.234 |
| DPD 1-89 | Rp 7.544.436 |
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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 88.442.567 |
| Credit to third parties through other agencies by channeling | Rp 1.099.103 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 222.000 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Conventional Rural Bank | Rp 53.999.306 |
| Conventional Commercial Bank | Rp 29.097.031 |
| Non Financial Services Institution | Rp 5.000.000 |
| Fintech | Rp 1.445.333 |
| Financing Company | Rp 222.000 |
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CLIK — Secured
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Contract Phase × DPD Bucket (count)
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Contract Status × DPD Bucket (count)
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| Current |
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| Active Facilities | 1 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 53.999.306 |
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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 53.999.306 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Conventional Rural Bank | Rp 53.999.306 |
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CLIK — Unsecured
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Contract Phase × DPD Bucket (count)
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Contract Status × DPD Bucket (count)
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| Current | DPD 1-89 |
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| Active Facilities | 5 | 3 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 28.219.928 |
| DPD 1-89 | Rp 7.544.436 |
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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 34.443.261 |
| Credit to third parties through other agencies by channeling | Rp 1.099.103 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 222.000 |
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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 29.097.031 |
| Non Financial Services Institution | Rp 5.000.000 |
| Fintech | Rp 1.445.333 |
| Financing Company | Rp 222.000 |
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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 87.03% | \n Green | \n ≤ 100% Green | 100-130% Amber | > 130% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) — (FLIN EMI + secured EMI + expenses + rent) / declared income |
\n | FOIR (Fixed Obligations / Income) PRIMARY | \n 0.00% | \n Green | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 135.12% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 1.35x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp 4,000,000 | \n Amber | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n N/A | \n Red | \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 | 04/2026 | 11/2026 | 12/2026 | Avg/Mo |
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\n \n | Miscellaneous | \n Rp 4,514,756 | \n Rp 9,995,484 | \n Rp 5,676,386 | \n Rp 7,405,918 |
\n | Cash Withdrawal | \n Rp -5,750,000 | \n Rp 0 | \n Rp 0 | \n Rp -3,975,000 |
\n | Bank Charges | \n Rp -17,000 | \n Rp 0 | \n Rp 0 | \n Rp -8,000 |
\n | Cash Deposit | \n Rp 0 | \n Rp 0 | \n Rp 0 | \n Rp 3,750 |
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Occupational & Profile Check\n \n Section did not run for this application\n \n
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\n The profile-check agent did not produce output. This usually means the application\n was fast-tracked to decline before the synthesis stage, or the agent failed silently\n (check pipeline logs for 'profile_check' entries).\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Bureau | \n High | \n Wilful default status with 9 write-offs totaling IDR 39.9M from multiple lenders (Easy Cash, Kredito, Adapundi, Pinjam Yuk, AdaKami) |
| Bureau | \n High | \n Massive debt exposure of IDR 129.7M across 301 tradelines vs declared IDR 50M - customer severely underdeclared existing obligations |
| Bureau | \n High | \n Current delinquencies on 3 active accounts with DPDs of 14, 58, and 38 days showing ongoing payment difficulties |
| Application | \n High | \n Material misrepresentation - declared EMI as zero despite having multiple active loans with outstanding balances |
| Banking | \n High | \n No detectable salary credits in 8 months of banking data despite claiming IDR 8M monthly income from CIMB Niaga Finance |
| Bureau | \n Medium | \n Extremely high interest rates on existing loans (59-72% p.a.) indicating desperation borrowing from high-risk lenders |
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Executive Summary
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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.
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Interview Question Bank (13 questions)
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Verification
- \n 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?\n
Why: Verify address stability and current residence\n - \n You mentioned having 1 dependent. Can you tell me about your family situation - who is this dependent and what are their monthly expenses?\n
Why: Verify family composition and understand expense obligations\n - \n You work as Account Payment Central Staff at PT CIMB Niaga Finance. What is your employee ID number and direct supervisor's name?\n
Why: Verify employment details for potential employer contact\n
Income
- \n 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?\n
Why: Critical - no salary detected in provided bank statement despite employment claim\n - \n 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?\n
Why: Address major discrepancy between claimed income and banking evidence\n
Debt Background
- \n 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?\n
Why: Address severe underdeclaration of existing obligations\n - \n 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?\n
Why: Understand circumstances behind multiple defaults and assess willingness to pay\n - \n You currently have overdue payments on AdaKami (14 days), Kredito (58 days), and Bank Jago (38 days). Why are these payments delayed?\n
Why: Assess current financial stress and payment capacity\n - \n What motivated you to seek debt consolidation now, and how do you plan to avoid accumulating new debt after consolidation?\n
Why: Assess consolidation motivation and re-leveraging risk\n
Expense Validation
- \n You declared IDR 4 million monthly expenses. Can you break this down - how much for food, utilities, transportation, family support, and other categories?\n
Why: Validate expense declaration and understand spending patterns\n - \n 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?\n
Why: Address major discrepancy between declared and actual spending\n
Future Plans
- \n Do you have any assets, side income, or expected lump sum payments (bonus, inheritance, property sale) that could help with debt repayment?\n
Why: Assess additional repayment capacity beyond regular salary\n - \n Given your current financial difficulties, what specific changes will you make to ensure you can afford the consolidated loan payments?\n
Why: Assess realistic repayment plan 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: 2026-05-11T18:59:04.686593\n
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