📋 Credit Summary — Pre-Interview Brief

Fika Azali · KTP: 3674024112890003 · Generated: 11 May 2026, 08:44 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 247,699,161	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=95.2%, FOIR=104.6%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA TANGERANG, BANTEN	✓ Pass
Minimum Education	≥ Senior High School (SMA)	S1	✓ 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	1 years	✓ Pass
Total Work Experience	≥ 3 years	6 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 16,823,493	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 247,699,161	Rp 17,600,000
Bureau (AFPI + CLIK)	Rp 844,744,266	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 0

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	95.23%	Green	≤ 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	104.62%	Red	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	418.43%	Amber	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	4.18x	Amber	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp -9,276,507	Red	> IDR 5M Green | 2-5M Amber | < 2M Red
Bank-detected vs Declared Income	82.10%	Amber	≥ 90% Green | 75-90% Amber | < 75% Red

Bank Statement Category Pivot (Top 12 by Volume)

Category	02/2026	03/2026	04/2026	Avg/Mo
Salary	Rp 0	Rp 0	Rp 16,823,493	Rp 16,823,493
Miscellaneous	Rp -1,957,469	Rp 5,321,714	Rp 4,535,803	Rp 7,900,048
Bank Charges	Rp -19,500	Rp -45,500	Rp -58,500	Rp -123,500

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

Employer · PT NTT Indonesia Technology  Confidence: Medium

Profile	Appears to be related to NTT (Nippon Telegraph and Telephone Corporation), a major Japanese telecommunications and technology conglomerate with operations in Indonesia.
Industry	Telco
Industry risk for credit	Low
Headquartered in	Jakarta, Indonesia
Employee count band	1k-10k
Company vintage	10 years
Stability signals	None known
Sources known to model	training: general knowledge of NTT Corp's Indonesian operations

Applicant · Fika Azali  Confidence: Low

Found in training data	No
LinkedIn signals	None known
Google signals	None known
Estimated seniority	Mid
Tenure observation	1-2 years tenure at current company aligns with stated experience level
Declared income (IDR/mo)	Rp 20,500,000
Expected range for role	12-25 mio IDR/month for mid-level marketing staff at large telco in Greater Jakarta
Plausibility verdict	Plausible
Comment	Income is within reasonable range for marketing staff at established telco company

Policy Implications (high-confidence only)

Category	Severity	Note
No high-confidence policy implications.

Disclaimer: Assessment based on limited training data about NTT's Indonesian operations. Company name and applicant details require verification through official channels.

Risk Factors

Category	Severity	Description
Bureau	High	Severely delinquent paylater loan from Danabijak showing 97 days past due on IDR 91.7M outstanding
Bureau	High	Multiple active paylater delinquencies across 4 providers (Gopay, Julo, Indodana) totaling IDR 137.4M
Application	High	Massive underdeclaration of debt - declared IDR 247.7M vs bureau total IDR 844.7M (597M gap)
Income	Medium	Income inconsistency - bank detected IDR 16.8M vs declared IDR 20.5M (82.1% ratio)
Banking	High	Negative residual income of IDR -9.3M after all obligations, indicating severe cash flow stress
Bureau	Medium	Extremely high debt burden - 418% DTI ratio and 4.18x income multiplier

Executive Summary

DECLINE RECOMMENDED. This applicant presents multiple severe red flags including a 97-day delinquent paylater loan, massive debt underdeclaration (IDR 597M gap), and negative cash flow. The combination of active delinquencies across multiple paylater providers, income inconsistency, and extreme debt burden (418% DTI) indicates high probability of default. The applicant appears to be in financial distress and seeking consolidation as a last resort rather than genuine debt management.

Interview Question Bank (14 questions)

Verification

1. Can you confirm your current residential address at Jl. Cimone Alfa Raya No. 103, RT 5/RW 7, Cimone, Karawaci? How long have you lived there?
   Why: Address verification and stability assessment
2. You mentioned having 2 dependents. Can you tell me about them - are they children, parents, or other family members?
   Why: Verify dependency claims and understand expense obligations
3. How long have you been working as Staff Marketing at PT NTT Indonesia Technology, and what are your main responsibilities?
   Why: Employment verification and job stability assessment

Debt Background

1. Our bureau check shows you have outstanding loans totaling IDR 844 million, but you declared only IDR 247 million. Can you explain this significant difference?
   Why: Address massive debt underdeclaration and assess honesty
2. You have a Danabijak loan that's 97 days overdue for IDR 91.7 million. What happened with this loan and why haven't you been able to make payments?
   Why: Understand severe delinquency and payment capacity
3. You also have multiple other paylater loans (Gopay, Julo, Indodana) that are past due. How did you accumulate so many loans simultaneously?
   Why: Assess borrowing behavior and financial management
4. Given your current financial situation with multiple overdue loans, why do you believe debt consolidation is the right solution rather than debt restructuring with existing lenders?
   Why: Understand motivation and assess realistic repayment prospects

Income

1. Your bank statements show average monthly income of IDR 16.8 million, but you declared IDR 20.5 million. Can you explain this difference?
   Why: Address income inconsistency and verify true earning capacity
2. Do you receive any bonuses, overtime pay, or variable compensation that might not show regularly in your bank account?
   Why: Understand income variability and sustainability
3. Has there been any recent change in your salary or job responsibilities at PT NTT Indonesia Technology?
   Why: Assess income stability and future earning prospects

Expense Validation

1. You declared monthly expenses of IDR 8.5 million. Can you break this down - how much goes to rent, utilities, food, transportation, and family support?
   Why: Validate expense claims and understand cash flow
2. With 2 dependents, what are your monthly costs for supporting them (education, healthcare, living expenses)?
   Why: Verify dependency-related expenses

Future Plans

1. If we consolidate your loans, how will you ensure you don't take additional debt from paylater apps or other sources?
   Why: Assess re-leveraging risk and financial discipline
2. Do you have any assets, side income, or expected lump sum payments (bonus, inheritance, property sale) that could help with loan repayment?
   Why: Assess additional repayment capacity and collateral potential

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-11T08:44:18.078930