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📋 Credit Summary — Pre-Interview Brief
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\n Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX ·\n Generated: 04 May 2026, 08:23 WIB\n
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Recommendation
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Approved with Conditions
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\n Risk: Medium ·\n Internal Score: 650/100 ·\n Eligibility: PROCEED_WITH_CHECKS\n
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Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: Approve
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Applicant Profile
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Eligibility Check (9 Hard Rules)
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\n | Rule | Required | Actual | Status |
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\n \n | Loan Amount Band | IDR 10–500 million | \n IDR 77,000,000 | \n ✓ Pass |
\n | Residual DSR | ≤ 120% | \n 86.3% | \n ✓ Pass |
\n | Residential Geography | Jabodetabek / Surabaya / Bandung / Bali | \n KABUPATEN BOGOR, JAWA BARAT | \n ✓ Pass |
\n | Minimum Education | ≥ D3 (3-year diploma) | \n D3 | \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 |
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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 77,000,000 | \n Rp 0 |
\n | Bureau (AFPI + SLIK) | \n Rp 101,763,769 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 5,700,000 |
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\n ⚠️ Customer underdeclared debt:\n Customer declared Rp 77,000,000 but bureau shows\n Rp 101,763,769 —\n gap of Rp 24,763,769. Probe in interview.\n
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Credit Ratios
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\n | Metric | Value | Band | Benchmark |
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\n \n | Residual DSR (PRIMARY METRIC) PRIMARY | \n 86.29% | \n Amber | \n ≤ 80% Green | 80-120% Amber | > 120% Red (auto-decline) |
\n | FOIR (Fixed Obligations / Income) | \n 45.97% | \n Amber | \n < 40% Green | 40-55% Amber | > 55% Red |
\n | Debt-to-Income (Annual) | \n 68.39% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 0.68x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n 1700000.0IDR | \n Red | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n 120.5% | \n Green | \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 | Month 1 | Month 2 | Month 3 | Avg/Mo |
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\n \n | Salary | \n Rp 15,631,924 | \n Rp 16,001,777 | \n Rp 13,200,716 | \n Rp 14,944,806 |
\n | Loan Payment | \n Rp -5,700,000 | \n Rp -5,700,000 | \n Rp -5,700,000 | \n Rp -5,700,000 |
\n | Z Pegadaian | \n Rp 0 | \n Rp 0 | \n Rp 7,195,605 | \n Rp 2,398,535 |
\n | Miscellaneous - Arisan | \n Rp -500,000 | \n Rp -500,000 | \n Rp -500,000 | \n Rp -500,000 |
\n | Groceries | \n Rp 0 | \n Rp -38,000 | \n Rp -175,000 | \n Rp -71,000 |
\n | Bank Charges | \n Rp -17,000 | \n Rp -17,000 | \n Rp -17,000 | \n Rp -17,000 |
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Risk Factors
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\n | Category | Severity | Description |
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\n | Application | \n High | \n Customer underdeclared debt by IDR 24.8M (77M vs 101.8M actual) - 32% understatement raises honesty concerns |
| Bureau | \n Medium | \n 13 active credit facilities indicating credit addiction behavior, with BRI facility 4 days past due |
| Banking | \n Medium | \n Pegadaian transaction (IDR 7.2M) suggests pawning assets, indicating cash flow stress |
| Behavioural | \n Medium | \n High fintech exposure (Gopay, Shopee, Adapundi) shows pattern of easy credit seeking |
| Income | \n Low | \n Residual income only IDR 1.7M after obligations - tight cash flow buffer |
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Executive Summary
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46-year-old admin assistant with stable 4-year employment seeking debt consolidation. Major red flag: underdeclared existing debt by IDR 24.8M, indicating potential dishonesty. Has 13 active facilities totaling IDR 101.8M across banks and fintechs, showing credit addiction pattern. Recent Pegadaian transaction suggests financial stress. However, stable employment, home ownership, and income exceeding declared amount are positive factors. Recommend conditional approval with reduced amount and mandatory facility closures.
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Interview Question Bank (14 questions)
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Verification
- \n Can you confirm your current residential address in Harapan Jaya, Cibinong? How long have you lived there and do you own or rent this property?\n
Why: Verify address stability and housing ownership claim for risk assessment\n - \n You mentioned having 1 dependent. Can you tell me about your family situation - who lives with you and their ages?\n
Why: Verify dependent count and understand household expense obligations\n - \n Please confirm your role as Admin Assistant at HBT Law Firm. What are your main responsibilities and can you provide your supervisor's contact details?\n
Why: Verify employment details and enable employer reference check\n - \n How long has HBT Law Firm been in business? Can you tell me about the firm's main practice areas and client base?\n
Why: Verify employer stability as this was flagged for manual verification in eligibility\n
Debt Background
- \n You declared IDR 77M in existing loans, but our bureau check shows IDR 101.8M across 13 facilities. Can you explain this difference and walk me through all your current debts?\n
Why: Address the critical 24.8M underdeclaration gap and assess honesty/awareness\n - \n How did you accumulate debt across so many different lenders - 9 banks plus 4 fintech platforms? What drove you to take multiple loans?\n
Why: Understand debt accumulation pattern and assess credit addiction risk\n - \n Your BRI facility shows 4 days past due. What happened there and how do you typically manage your monthly payments across all these loans?\n
Why: Assess payment discipline and understand current financial stress\n
Income
- \n Your bank statements show salary around IDR 15M but you declared IDR 12.4M. Which figure is correct and can you explain any bonuses or allowances?\n
Why: Clarify income discrepancy and understand salary structure for sustainability assessment\n - \n Are there any delays in salary payments at the law firm? How stable is your position given the legal industry conditions?\n
Why: Assess income sustainability and employment security risks\n
Expense Validation
- \n You declared IDR 5M monthly expenses. Can you break this down - household costs, utilities, food, transportation, and family support?\n
Why: Validate expense declaration and identify any hidden costs\n - \n I see regular IDR 500K 'Arisan' payments in your bank statement. Can you explain what this is for and are there other regular commitments not mentioned?\n
Why: Understand social/cultural financial obligations that may not be declared\n
Future Plans
- \n There's a IDR 7.2M Pegadaian transaction in your recent bank statement. What did you pawn and why? Do you have other assets that could provide emergency funds?\n
Why: Understand asset position and recent financial stress indicators\n - \n After consolidating these loans, how will you ensure you don't take additional credit? What's your plan to avoid re-leveraging?\n
Why: Assess commitment to debt discipline and re-leveraging risk\n - \n Do you have any side income, freelance work, or expect any lump sum payments (bonus, inheritance, property sale) that could help with loan repayment?\n
Why: Identify additional repayment capacity and income sources\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: 2026-05-04T08:23:19.854400\n
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