📋 Credit Summary — Pre-Interview Brief

Ersianda Putra Pratama M · KTP: 3273280710920004 · Generated: 11 May 2026, 18:41 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Rule	Required	Actual	Status
Loan Amount Band	> IDR 20 million	IDR 125,000,000	✓ Pass
Primary Ratio Gate (TOIR/FOIR)	TOIR ≤ 130% OR FOIR ≤ 60%	TOIR=52.1%, FOIR=52.5%	✓ Pass
Residential Geography	Bandung / Surabaya / Jabodetabek (Bali excluded)	KOTA JAKARTA SELATAN, DKI JAKARTA	✓ 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	2 years	✓ Pass
Total Work Experience	≥ 3 years	3 years	✓ Pass
Minimum Salary	> IDR 7,000,000	IDR 17,130,000	✓ Pass

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Source	Outstanding	Monthly EMI
Customer Declared	Rp 125,000,000	Rp 9,000,000
Bureau (AFPI + CLIK)	Rp 129,716,431	Rp 0
Bank Statement (avg/mo loan payments)	—	Rp 0

AFPI Bureau Analysis 292 loans · Rp 39.952.761 outstanding · 9 Pinjol(s)

Collectibility × Loan Status (Count)

	L	F	W
DPD 0	162	—	—
DPD 1-30	119	—	—
DPD 90+	—	2	9

Collectibility × Loan Status (Outstanding Loan Value)

	L	F	W
DPD 0	Rp 0	—	—
DPD 1-30	Rp 0	—	—
DPD 90+	—	Rp 11.449.999	Rp 28.502.762

Year × Loan Status (Count)

	L	F	W
2018	10	—	—
2019	19	—	—
2020	28	—	—
2021	76	—	—
2022	84	2	9
2023	64	—	—

Year × Collectibility Status (Count)

	DPD 0	DPD 1-30	DPD 90+
2018	10	—	—
2019	12	7	—
2020	13	15	—
2021	56	20	—
2022	46	38	11
2023	25	39	—

CLIK Bureau Analysis 9 loans · Rp 89.763.670 debit balance · DPD mean 12.22, max 58.0 days

Secured: 1 loans, Rp 53.999.306 · Unsecured: 8 loans, Rp 35.764.364 · Total disbursed (Initial Credit Limit): Rp 151.080.000

CLIK — Combined (secured + unsecured)

CLIK — Secured

CLIK — Unsecured

Credit Ratios

Metric	Value	Band	Benchmark
TOIR (Post-Consolidation Affordability) PRIMARY	52.13%	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	52.54%	Amber	< 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%)
Debt-to-Income (Annual)	63.10%	Green	< 300% Green | 300-500% Amber | > 500% Red
Total Debt / Annual Income	0.63x	Green	< 3x Green | 3-5x Amber | > 5x Red
Residual Monthly Income (post all outflows)	Rp 3,130,000	Amber	> 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 Section did not run for this application

The profile-check agent did not produce output. This usually means the application was fast-tracked to decline before the synthesis stage, or the agent failed silently (check pipeline logs for 'profile_check' entries).

Risk Factors

Category	Severity	Description
Bureau	High	Wilful default status with 9 write-offs totaling IDR 39.95M outstanding, including multiple pinjol defaults from August 2022
Bureau	High	Current delinquency on 3 active accounts with up to 58 days past due, showing ongoing payment difficulties
Bureau	High	Extreme credit exposure with 24 active trades and total outstanding of IDR 129.7M vs declared IDR 125M
Behavioural	High	Pattern of taking multiple high-risk pinjol loans simultaneously in August 2022, then defaulting on all within 3 months
Banking	High	No meaningful banking data available (0 transactions, 1 month) - cannot verify income or spending patterns
Application	Medium	Significant underdeclaration of debt burden - customer declared IDR 125M vs bureau showing IDR 129.7M

Executive Summary

STRONG DECLINE RECOMMENDATION. Applicant shows wilful default behavior with 9 active write-offs totaling IDR 39.95M and current delinquencies on 3 accounts. The pattern of taking multiple pinjol loans in August 2022 and defaulting within months indicates severe financial distress and poor judgment. Despite high declared income, the lack of banking data prevents income verification. Total debt exposure of IDR 129.7M represents 63% DTI, but the wilful default status and ongoing delinquencies make this unsuitable for debt consolidation regardless of income level.

Interview Question Bank (16 questions)

Verification

1. Can you confirm your current residential address at 37D JL TEGAL PARANG SELATAN 2, RT 3 RW 7, and how long have you lived there?
   Why: Address verification and stability assessment
2. You mentioned 0 dependents - can you confirm you have no financial obligations to parents, siblings, or other family members?
   Why: Hidden expense verification
3. What is your exact job title and department at Bank SMBC Indonesia, and can you provide your employee ID?
   Why: Employment verification for high-risk applicant
4. What is your direct supervisor's name and contact number at Bank SMBC Indonesia?
   Why: Employment verification reference

Debt Background

1. Our bureau check shows you have 9 written-off loans totaling IDR 39.95 million. Can you explain what happened in August 2022 that led to multiple defaults?
   Why: Understanding the root cause of financial distress and assessing honesty
2. You currently have 3 accounts that are past due, including one 58 days overdue. Why are you unable to service these current obligations?
   Why: Assessing current financial capacity and payment behavior
3. Why do you believe debt consolidation will solve your payment issues when you're currently struggling with existing obligations?
   Why: Understanding consolidation rationale and re-leveraging risk

Income

1. Your declared salary is IDR 17.13 million - can you break this down into base salary, allowances, and any variable components?
   Why: Income verification and sustainability assessment
2. Have you experienced any salary delays or reductions at Bank SMBC Indonesia in the past 12 months?
   Why: Income stability verification
3. Do you have any side income, freelance work, or other sources of money beyond your bank salary?
   Why: Complete income picture and debt servicing capacity

Expense Validation

1. You declared IDR 5 million monthly expenses - can you provide a detailed breakdown of your major expense categories?
   Why: Expense validation and budget realism
2. Where do you currently live and what are your monthly housing costs including utilities?
   Why: Housing expense verification (declared 0 rent seems unrealistic)
3. What are your monthly transportation costs for commuting to Bank SMBC Indonesia?
   Why: Expense validation for Jakarta-based employment

Future Plans

1. Do you have any savings, investments, or assets that could be used for lump-sum debt reduction?
   Why: Alternative debt resolution capacity
2. How will you prevent taking additional loans after consolidation, given your history of multiple pinjol applications?
   Why: Re-leveraging risk assessment
3. Are you currently in discussions with any of your existing lenders about payment plans or settlements?
   Why: Understanding current debt management efforts

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-11T18:41:31.010805