📋 Credit Summary — Pre-Interview Brief

Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX · Generated: 09 May 2026, 12:47 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 77,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=129.2%, FOIR=46.0%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KABUPATEN BOGOR, JAWA BARAT	✓ Pass
Minimum Education	≥ Senior High School (SMA)	D3	✓ 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 12,400,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 77,000,000	Rp 0
Bureau (AFPI + CLIK)	Rp 844,744,266	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 5,700,000

AFPI Bureau Analysis 43 loans · Rp 137.401.302 outstanding · 5 Pinjol(s)

Collectibility × Loan Status (Count)

	L	O
DPD 0	38	—
DPD 1-30	—	3
DPD 61-90	—	1
DPD 90+	—	1

Collectibility × Loan Status (Outstanding Loan Value)

	L	O
DPD 0	Rp 0	—
DPD 1-30	—	Rp 33.216.667
DPD 61-90	—	Rp 12.498.000
DPD 90+	—	Rp 91.686.635

Year × Loan Status (Count)

	L	O
2023	28	—
2024	7	—
2025	3	5

Year × Collectibility Status (Count)

	DPD 0	DPD 1-30	DPD 61-90	DPD 90+
2023	28	—	—	—
2024	7	—	—	—
2025	3	3	1	1

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	129.21%	Amber	≤ 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	45.97%	Amber	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	567.70%	Red	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	5.68x	Red	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp 1,700,000	Red	> IDR 5M Green | 2-5M Amber | < 2M Red
Bank-detected vs Declared Income	120.50%	Green	≥ 90% Green | 75-90% Amber | < 75% Red

Bank Statement Category Pivot (Top 12 by Volume)

Category	Month 1	Month 2	Month 3	Avg/Mo
Salary	Rp 15,631,924	Rp 16,001,777	Rp 13,200,716	Rp 14,944,806
Loan Payment	Rp -5,700,000	Rp -5,700,000	Rp -5,700,000	Rp -5,700,000
Z Pegadaian	Rp 0	Rp 0	Rp 7,195,605	Rp 2,398,535
Miscellaneous - Arisan	Rp -500,000	Rp -500,000	Rp -500,000	Rp -500,000
Groceries	Rp 0	Rp -38,000	Rp -175,000	Rp -71,000
Bank Charges	Rp -17,000	Rp -17,000	Rp -17,000	Rp -17,000

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

Employer · HBT Law Firm  Confidence: Unknown

Profile	Unknown - no information available about this specific Indonesian law firm in training data.
Industry	Unknown
Industry risk for credit	Unknown
Headquartered in	Unknown
Employee count band	Unknown
Company vintage	Unknown years
Stability signals	Unknown
Sources known to model	—

Applicant · Evi Meiwatiningsih  Confidence: Unknown

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Junior
Tenure observation	4+ years tenure as Admin Assistant aligns with stated experience level
Declared income (IDR/mo)	Rp 12,400,000
Expected range for role	Cannot estimate without employer verification
Plausibility verdict	Cannot assess
Comment	IDR 12.4M seems high for admin assistant role but cannot verify without employer context

Policy Implications (high-confidence only)

Category	Severity	Note
Income sanity	Medium	Declared income appears elevated for admin assistant role and requires verification

Disclaimer: HBT Law Firm is not found in training data - all employer information requires independent verification before credit decision

Risk Factors

Category	Severity	Description
Application	High	Massive underdeclaration of debt - customer declared IDR 77M but bureau shows IDR 845M outstanding (11x higher), indicating potential fraud or lack of financial awareness
Bureau	High	Severe delinquency pattern with Danabijak loan IDR 91.7M in DPD 90+ status, plus 4 other paylater loans in early delinquency (DPD 1-30 and 61-90)
Bureau	High	Extreme debt burden with DTI of 568% and total outstanding of IDR 845M against annual income of IDR 149M
Banking	Medium	Suspicious Pegadaian transaction of IDR 7.2M in latest month suggests potential asset liquidation or additional borrowing
Income	Medium	Income appears elevated for Admin Assistant role at IDR 12.4M monthly - requires verification given unknown employer profile
Bureau	Medium	Recent aggressive borrowing pattern with 5 paylater loans taken between March-September 2025, totaling IDR 167M disbursed

Executive Summary

STRONG DECLINE RECOMMENDATION. This application presents multiple critical red flags that make it unsuitable for debt consolidation. The customer has severely underdeclared their debt burden (IDR 77M vs actual IDR 845M), is currently delinquent on a major paylater loan (Danabijak IDR 91.7M in DPD 90+), and shows a pattern of aggressive recent borrowing across multiple paylater platforms. The extreme DTI of 568% and recent Pegadaian transaction suggest financial distress. Even with consolidation, the customer would face unmanageable debt service obligations. The risk of re-leveraging is extremely high given the demonstrated inability to manage existing obligations.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address at Harapan Jaya, Cibinong, and how long have you lived there?
   Why: Address verification and stability assessment
2. You mentioned having 1 dependent - can you tell me about your family situation and who depends on your income?
   Why: Verify dependent count and understand family financial obligations
3. Can you provide details about HBT Law Firm - what type of legal services do they provide and what is your specific role as Admin Assistant?
   Why: Employer verification since company profile is unknown and income seems high for role
4. How is your salary of IDR 12.4 million structured - is this base salary, or does it include bonuses, overtime, or allowances?
   Why: Income verification as amount appears elevated for admin assistant role

Debt Background

1. You declared IDR 77 million in debt, but our bureau check shows much higher amounts including loans from Danabijak, Julo, Gopay, and others. Can you explain this discrepancy?
   Why: Address massive underdeclaration of debt (actual IDR 845M vs declared IDR 77M)
2. Your Danabijak loan of IDR 91.7 million is currently 90+ days overdue. What happened with this payment and what is your plan to resolve it?
   Why: Understand reason for severe delinquency and assess willingness/ability to pay
3. Between March and September 2025, you took 5 different paylater loans totaling IDR 167 million. What drove this rapid accumulation of debt?
   Why: Understand debt accumulation pattern and assess behavioral risk for re-leveraging

Income

1. Are there any delays or irregularities in your salary payments from HBT Law Firm? How stable is your employment there?
   Why: Assess income stability and employment security
2. Do you have any additional sources of income beyond your salary - side business, investments, or other work?
   Why: Identify additional income sources that could support debt service

Expense Validation

1. You mentioned monthly expenses of IDR 5 million. Can you break this down - how much goes to household needs, utilities, family support, etc.?
   Why: Validate expense estimates and understand spending priorities
2. We see regular IDR 500,000 arisan payments in your bank account. Are these mandatory social obligations you cannot reduce?
   Why: Understand fixed social obligations that impact cash flow

Future Plans

1. We noticed a IDR 7.2 million Pegadaian transaction in your recent bank statement. What was this for?
   Why: Understand if this represents asset liquidation, additional borrowing, or other financial stress
2. If we were to consolidate your debts, how would you ensure you don't take additional loans from paylater apps or other sources?
   Why: Assess re-leveraging risk given history of multiple paylater borrowing
3. Do you have any assets, savings, or expected lump sum payments (bonus, inheritance, property sale) that could help with debt repayment?
   Why: Identify additional repayment capacity beyond regular income

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-09T12:47:47.785735