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📋 Credit Summary — Pre-Interview Brief
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\n Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX ·\n Generated: 09 May 2026, 12:47 WIB\n
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Recommendation
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Declined
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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: kjbjb
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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 77,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=129.2%, FOIR=46.0% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KABUPATEN BOGOR, JAWA BARAT | \n ✓ Pass |
\n | Minimum Education | ≥ Senior High School (SMA) | \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 |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 12,400,000 | \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 77,000,000 | \n Rp 0 |
\n | Bureau (AFPI + CLIK) | \n Rp 844,744,266 | \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 844,744,266 —\n gap of Rp 767,744,266. Probe in interview.\n
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AFPI Bureau Analysis\n \n 43 loans ·\n Rp 137.401.302 outstanding ·\n 5 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 | Danabijak | 1 | Rp 91.686.635 |
| Gopay Later / Gopay Pinjam | 7 | Rp 17.800.000 |
| Julo | 2 | Rp 15.416.667 |
| Indodana | 32 | Rp 12.498.000 |
| YUP Paylater / Samakita | 1 | 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 1-30 | 3 |
| DPD 0 | 38 |
| DPD 61-90 | 1 |
| DPD 90+ | 1 |
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Collectibility × Loan Status (Count)
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| L | O |
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| DPD 0 | 38 | — |
| DPD 1-30 | — | 3 |
| DPD 61-90 | — | 1 |
| DPD 90+ | — | 1 |
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Collectibility × Loan Status (Outstanding Loan Value)
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| L | O |
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| DPD 0 | Rp 0 | — |
| DPD 1-30 | — | Rp 33.216.667 |
| DPD 61-90 | — | Rp 12.498.000 |
| DPD 90+ | — | Rp 91.686.635 |
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Year × Loan Status (Count)
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Year × Collectibility Status (Count)
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| DPD 0 | DPD 1-30 | DPD 61-90 | DPD 90+ |
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| 2023 | 28 | — | — | — |
| 2024 | 7 | — | — | — |
| 2025 | 3 | 3 | 1 | 1 |
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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 129.21% | \n Amber | \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 45.97% | \n Amber | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 567.70% | \n Red | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 5.68x | \n Red | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp 1,700,000 | \n Red | \n > IDR 5M Green | 2-5M Amber | < 2M Red |
\n | Bank-detected vs Declared Income | \n 120.50% | \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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Occupational & Profile Check\n \n LLM knowledge estimate · no live web evidence\n ⚠ Verify before relying\n
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\n Employer · HBT Law Firm\n Confidence: Unknown\n
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\n | 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 | — |
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\n Applicant · Evi Meiwatiningsih\n Confidence: Unknown\n
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\n | 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 |
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Policy Implications (high-confidence only)
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\n | Category | Severity | Note |
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\n | Income sanity | Medium | Declared income appears elevated for admin assistant role and requires verification |
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\n Disclaimer: HBT Law Firm is not found in training data - all employer information requires independent verification before credit decision\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Application | \n High | \n 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 | \n High | \n 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 | \n High | \n Extreme debt burden with DTI of 568% and total outstanding of IDR 845M against annual income of IDR 149M |
| Banking | \n Medium | \n Suspicious Pegadaian transaction of IDR 7.2M in latest month suggests potential asset liquidation or additional borrowing |
| Income | \n Medium | \n Income appears elevated for Admin Assistant role at IDR 12.4M monthly - requires verification given unknown employer profile |
| Bureau | \n Medium | \n Recent aggressive borrowing pattern with 5 paylater loans taken between March-September 2025, totaling IDR 167M disbursed |
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Executive Summary
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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.
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Interview Question Bank (14 questions)
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Verification
- \n Can you confirm your current residential address at Harapan Jaya, Cibinong, and how long have you lived there?\n
Why: Address verification and stability assessment\n - \n You mentioned having 1 dependent - can you tell me about your family situation and who depends on your income?\n
Why: Verify dependent count and understand family financial obligations\n - \n 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?\n
Why: Employer verification since company profile is unknown and income seems high for role\n - \n How is your salary of IDR 12.4 million structured - is this base salary, or does it include bonuses, overtime, or allowances?\n
Why: Income verification as amount appears elevated for admin assistant role\n
Debt Background
- \n 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?\n
Why: Address massive underdeclaration of debt (actual IDR 845M vs declared IDR 77M)\n - \n 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?\n
Why: Understand reason for severe delinquency and assess willingness/ability to pay\n - \n Between March and September 2025, you took 5 different paylater loans totaling IDR 167 million. What drove this rapid accumulation of debt?\n
Why: Understand debt accumulation pattern and assess behavioral risk for re-leveraging\n
Income
- \n Are there any delays or irregularities in your salary payments from HBT Law Firm? How stable is your employment there?\n
Why: Assess income stability and employment security\n - \n Do you have any additional sources of income beyond your salary - side business, investments, or other work?\n
Why: Identify additional income sources that could support debt service\n
Expense Validation
- \n You mentioned monthly expenses of IDR 5 million. Can you break this down - how much goes to household needs, utilities, family support, etc.?\n
Why: Validate expense estimates and understand spending priorities\n - \n We see regular IDR 500,000 arisan payments in your bank account. Are these mandatory social obligations you cannot reduce?\n
Why: Understand fixed social obligations that impact cash flow\n
Future Plans
- \n We noticed a IDR 7.2 million Pegadaian transaction in your recent bank statement. What was this for?\n
Why: Understand if this represents asset liquidation, additional borrowing, or other financial stress\n - \n If we were to consolidate your debts, how would you ensure you don't take additional loans from paylater apps or other sources?\n
Why: Assess re-leveraging risk given history of multiple paylater borrowing\n - \n Do you have any assets, savings, or expected lump sum payments (bonus, inheritance, property sale) that could help with debt repayment?\n
Why: Identify additional repayment capacity beyond regular income\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: 2026-05-09T12:47:47.785735\n
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