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📋 Credit Summary — Pre-Interview Brief
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\n Isma Pebrianti · KTP: 3203040000000000.0 ·\n Generated: 11 May 2026, 03:46 WIB\n
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Recommendation
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Approved
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\n Risk: Very High ·\n Internal Score: 180/100 ·\n Eligibility: AUTO_DECLINE\n
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Analyst Decision: Rp 0 for 24 months · Reviewed by ninad@flin.co.id · Notes: bfgb
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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 40,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=294.1%, FOIR=97.9% | \n ✗ Fail |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KOTA JAKARTA TIMUR, DKI JAKARTA | \n ✓ Pass |
\n | Minimum Education | ≥ Senior High School (SMA) | \n SMA | \n ✓ Pass |
\n | Employer Type | State-Owned / Government / Private | \n BUMN | \n ✓ Pass |
\n | Employment Contract | Permanent / Karyawan Tetap | \n KARYAWAN KONTRAK | \n ✗ Fail |
\n | Employer in business > 5 years | > 5 years | \n Manual verification required | \n ◎ Manual |
\n | Tenure in Current Company | ≥ 1 year | \n 2 years | \n ✓ Pass |
\n | Total Work Experience | ≥ 3 years | \n 3 years | \n ✓ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 7,000,000 | \n ✗ Fail |
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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 40,000,000 | \n Rp 6,850,000 |
\n | Bureau (AFPI + CLIK) | \n Rp 0 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 0 |
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CLIK Bureau Analysis\n \n 52 loans ·\n Rp 707.342.964 debit balance ·\n DPD mean 0.15, max 8.0 days\n \n
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\n Secured: 3 loans, Rp 371.074.010 ·\n Unsecured: 49 loans, Rp 336.268.954 ·\n Total disbursed (Initial Credit Limit): Rp 1.205.022.283\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 | 51 | 1 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 698.166.065 |
| DPD 1-89 | Rp 9.176.899 |
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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 404.383.375 |
| Credit Card | Rp 103.022.824 |
| Credit to third parties through other agencies by channeling | Rp 71.330.963 |
| Cash Loan - Non Fintech (i.e. Banks) | Rp 60.098.154 |
| Others - Fintech | Rp 46.018.476 |
| Loans for joint financing (Syndication) | Rp 12.447.392 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 10.041.780 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Financing Company | Rp 368.795.469 |
| Conventional Commercial Bank | Rp 292.529.019 |
| Fintech | Rp 46.018.476 |
| Islamic Banks (Unit Usaha Syariah - Syariah Business Unit) | Rp 0 |
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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 | 3 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 371.074.010 |
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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 358.626.618 |
| Loans for joint financing (Syndication) | Rp 12.447.392 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Financing Company | Rp 358.753.689 |
| Conventional Commercial Bank | Rp 12.320.321 |
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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 | 48 | 1 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 327.092.055 |
| DPD 1-89 | Rp 9.176.899 |
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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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| Credit Card | Rp 103.022.824 |
| Credit to third parties through other agencies by channeling | Rp 71.330.963 |
| Cash Loan - Non Fintech (i.e. Banks) | Rp 60.098.154 |
| Others - Fintech | Rp 46.018.476 |
| Others | Rp 45.756.757 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 10.041.780 |
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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 280.208.698 |
| Fintech | Rp 46.018.476 |
| Financing Company | Rp 10.041.780 |
| Islamic Banks (Unit Usaha Syariah - Syariah Business Unit) | Rp 0 |
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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 294.06% | \n Red | \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 97.86% | \n Red | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 47.62% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 0.48x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp 350,000 | \n Red | \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 | Month 1 | Month 2 | Month 3 | Avg/Mo |
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Occupational & Profile Check\n \n LLM knowledge estimate · no live web evidence\n ⚠ Verify before relying\n
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\n Employer · PT Permodalan Nasional Madani\n Confidence: High\n
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\n | 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 |
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\n Applicant · Isma Pebrianti\n Confidence: Medium\n
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\n | 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 |
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Policy Implications (high-confidence only)
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\n | Category | Severity | Note |
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\n | Stability | Info | BUMN employer provides employment stability despite contract status |
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\n Disclaimer: Assessment based on training data knowledge of PT PNM as established BUMN. Individual applicant details require verification.\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Bureau | \n High | \n Massive debt accumulation: IDR 109M total outstanding vs IDR 40M declared - customer severely under-declared existing obligations by 172% |
| Application | \n High | \n Critical eligibility failures: TOIR 294% (gate: ≤130%), contract employee status, and minimum salary threshold not met |
| Income | \n High | \n Extreme debt service burden: FOIR 98% and residual income only IDR 350K after all obligations - insufficient for basic living expenses |
| Bureau | \n High | \n Dangerous borrowing pattern: 20 active unsecured facilities with extremely high interest rates (63-108%) indicating desperation borrowing |
| Banking | \n Medium | \n No banking transaction data available for income verification or spending pattern analysis |
| Application | \n Medium | \n Age 21 with 1 dependent and claiming 3-6 years work experience - timeline inconsistency suggests potential misrepresentation |
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Executive Summary
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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.
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Interview Question Bank (14 questions)
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Verification
- \n 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?\n
Why: Verify address accuracy and understand housing expenses not captured in application\n - \n You mentioned having 1 dependent - can you tell me who this is and what monthly expenses are involved in supporting them?\n
Why: Verify dependent status and understand associated costs affecting affordability\n - \n 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?\n
Why: Verify employment details and assess job stability given contract status\n - \n 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?\n
Why: Resolve timeline inconsistency that suggests potential misrepresentation\n
Debt Background
- \n 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?\n
Why: Address critical discrepancy in debt declaration that indicates potential fraud\n - \n 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?\n
Why: Understand borrowing behavior and assess re-leveraging risk\n - \n Some of your loans have extremely high interest rates (63-108%). What circumstances led you to accept such expensive financing?\n
Why: Assess financial distress level and decision-making capability\n
Income
- \n Your salary is exactly IDR 7 million which is our minimum threshold. Are there any bonuses, allowances, or variable components to your compensation?\n
Why: Verify if income meets minimum requirements and assess stability\n - \n How is your spouse earning IDR 3 million monthly? What is their employment status and how stable is this income?\n
Why: Verify additional household income claimed for affordability assessment\n
Expense Validation
- \n With IDR 109 million in debt and monthly obligations exceeding IDR 20 million, how are you currently managing your monthly payments and living expenses?\n
Why: Understand current financial management given unsustainable debt levels\n - \n You declared IDR 2.8 million monthly expenses. Can you break this down - food, transportation, utilities, family support, etc.?\n
Why: Validate expense estimates and identify potential understatement\n
Future Plans
- \n If we were to approve consolidation, how would you ensure you don't take additional loans in the future given your current borrowing pattern?\n
Why: Assess re-leveraging risk and financial discipline\n - \n You mentioned having collateral available. What specific assets do you own and what is their estimated value?\n
Why: Evaluate potential security and lump-sum repayment capacity\n - \n Do you have any side income, family financial support, or expected lump-sum payments that could help with debt repayment?\n
Why: Identify additional repayment sources given current income insufficiency\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: 2026-05-11T03:46:58.563912\n
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