📋 Credit Summary — Pre-Interview Brief

Isma Pebrianti · KTP: 3203040000000000.0 · Generated: 11 May 2026, 03:46 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 40,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=294.1%, FOIR=97.9%	✗ Fail
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA JAKARTA TIMUR, DKI JAKARTA	✓ Pass
Minimum Education	≥ Senior High School (SMA)	SMA	✓ Pass
Employer Type	State-Owned / Government / Private	BUMN	✓ Pass
Employment Contract	Permanent / Karyawan Tetap	KARYAWAN KONTRAK	✗ Fail
Employer in business > 5 years	> 5 years	Manual verification required	◎ Manual
Tenure in Current Company	≥ 1 year	2 years	✓ Pass
Total Work Experience	≥ 3 years	3 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 7,000,000	✗ Fail

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 40,000,000	Rp 6,850,000
Bureau (AFPI + CLIK)	Rp 0	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 0

CLIK Bureau Analysis 52 loans · Rp 707.342.964 debit balance · DPD mean 0.15, max 8.0 days

Secured: 3 loans, Rp 371.074.010 · Unsecured: 49 loans, Rp 336.268.954 · Total disbursed (Initial Credit Limit): Rp 1.205.022.283

CLIK — Combined (secured + unsecured)

CLIK — Secured

CLIK — Unsecured

Credit Ratios

Metric	Value	Band	Benchmark
TOIR (Post-Consolidation Affordability) PRIMARY	294.06%	Red	≤ 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	97.86%	Red	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	47.62%	Green	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	0.48x	Green	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp 350,000	Red	> 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	Month 1	Month 2	Month 3	Avg/Mo

Occupational & Profile Check LLM knowledge estimate · no live web evidence ⚠ Verify before relying

Employer · PT Permodalan Nasional Madani  Confidence: High

Profile	State-owned enterprise (BUMN) focused on providing financing and capital access to micro, small, and medium enterprises (MSMEs) in Indonesia.
Industry	Financial Services
Industry risk for credit	Low
Headquartered in	Jakarta, Indonesia
Employee count band	1k-10k
Company vintage	10 years
Stability signals	None known - BUMN status provides inherent stability
Sources known to model	training: government BUMN listings, financial sector knowledge

Applicant · Isma Pebrianti  Confidence: Medium

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Junior
Tenure observation	2-4 years tenure as account officer aligns with stated experience level
Declared income (IDR/mo)	Rp 7,000,000
Expected range for role	6-10 million IDR/month for account officer at BUMN financial institution
Plausibility verdict	Plausible
Comment	Income level reasonable for junior-mid account officer role at state enterprise

Policy Implications (high-confidence only)

Category	Severity	Note
Stability	Info	BUMN employer provides employment stability despite contract status

Disclaimer: Assessment based on training data knowledge of PT PNM as established BUMN. Individual applicant details require verification.

Risk Factors

Category	Severity	Description
Bureau	High	Massive debt accumulation: IDR 109M total outstanding vs IDR 40M declared - customer severely under-declared existing obligations by 172%
Application	High	Critical eligibility failures: TOIR 294% (gate: ≤130%), contract employee status, and minimum salary threshold not met
Income	High	Extreme debt service burden: FOIR 98% and residual income only IDR 350K after all obligations - insufficient for basic living expenses
Bureau	High	Dangerous borrowing pattern: 20 active unsecured facilities with extremely high interest rates (63-108%) indicating desperation borrowing
Banking	Medium	No banking transaction data available for income verification or spending pattern analysis
Application	Medium	Age 21 with 1 dependent and claiming 3-6 years work experience - timeline inconsistency suggests potential misrepresentation

Executive Summary

STRONG DECLINE RECOMMENDATION. Customer has severely under-declared existing debt (IDR 109M actual vs IDR 40M declared) and exhibits dangerous borrowing behavior with 20 active high-interest facilities. TOIR of 294% makes consolidation mathematically impossible with only IDR 350K residual income. The borrowing pattern suggests financial distress and potential fraud in application. Contract employment status and age inconsistencies add further concerns.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address at 22 jln blok duku, RT 13 RW 10, Cibubur? How long have you lived there and what is your monthly rent or housing cost?
   Why: Verify address accuracy and understand housing expenses not captured in application
2. You mentioned having 1 dependent - can you tell me who this is and what monthly expenses are involved in supporting them?
   Why: Verify dependent status and understand associated costs affecting affordability
3. Please describe your exact role as Account Officer at PT Permodalan Nasional Madani - what are your daily responsibilities and how long have you been in this specific position?
   Why: Verify employment details and assess job stability given contract status
4. You're 21 years old but claim 3-6 years work experience. Can you walk me through your employment history from when you started working?
   Why: Resolve timeline inconsistency that suggests potential misrepresentation

Debt Background

1. Our bureau check shows you have IDR 109 million in total outstanding debt across 20 different lenders, but you declared only IDR 40 million. Can you explain this significant difference?
   Why: Address critical discrepancy in debt declaration that indicates potential fraud
2. Why do you have loans with so many different lenders (Bank Jago, BCA, multiple Neo Commerce facilities, Mayapada, etc.) and how did you accumulate this level of debt?
   Why: Understand borrowing behavior and assess re-leveraging risk
3. Some of your loans have extremely high interest rates (63-108%). What circumstances led you to accept such expensive financing?
   Why: Assess financial distress level and decision-making capability

Income

1. Your salary is exactly IDR 7 million which is our minimum threshold. Are there any bonuses, allowances, or variable components to your compensation?
   Why: Verify if income meets minimum requirements and assess stability
2. How is your spouse earning IDR 3 million monthly? What is their employment status and how stable is this income?
   Why: Verify additional household income claimed for affordability assessment

Expense Validation

1. With IDR 109 million in debt and monthly obligations exceeding IDR 20 million, how are you currently managing your monthly payments and living expenses?
   Why: Understand current financial management given unsustainable debt levels
2. You declared IDR 2.8 million monthly expenses. Can you break this down - food, transportation, utilities, family support, etc.?
   Why: Validate expense estimates and identify potential understatement

Future Plans

1. If we were to approve consolidation, how would you ensure you don't take additional loans in the future given your current borrowing pattern?
   Why: Assess re-leveraging risk and financial discipline
2. You mentioned having collateral available. What specific assets do you own and what is their estimated value?
   Why: Evaluate potential security and lump-sum repayment capacity
3. Do you have any side income, family financial support, or expected lump-sum payments that could help with debt repayment?
   Why: Identify additional repayment sources given current income insufficiency

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-11T03:46:58.563912