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📋 Credit Summary — Pre-Interview Brief
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\n Ersianda Putra Pratama M · KTP: 3273280710920004 ·\n Generated: 11 May 2026, 18:41 WIB\n
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Recommendation
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Approved
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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: fwe
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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 125,000,000 | \n ✓ Pass |
\n | Primary Ratio Gate (TOIR/FOIR) | TOIR ≤ 130% OR FOIR ≤ 60% | \n TOIR=52.1%, FOIR=52.5% | \n ✓ Pass |
\n | Residential Geography | Bandung / Surabaya / Jabodetabek (Bali excluded) | \n KOTA JAKARTA SELATAN, DKI JAKARTA | \n ✓ Pass |
\n | Minimum Education | ≥ Senior High School (SMA) | \n S1 | \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 2 years | \n ✓ Pass |
\n | Total Work Experience | ≥ 3 years | \n 3 years | \n ✓ Pass |
\n | Minimum Salary | > IDR 7,000,000 | \n IDR 17,130,000 | \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 125,000,000 | \n Rp 9,000,000 |
\n | Bureau (AFPI + CLIK) | \n Rp 129,716,431 | \n Rp 0 |
\n | Bank Statement (avg/mo loan payments) | \n — | \n Rp 0 |
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AFPI Bureau Analysis\n \n 292 loans ·\n Rp 39.952.761 outstanding ·\n 9 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 | Easy Cash | 4 | Rp 22.899.998 |
| Kredito | 1 | Rp 5.000.000 |
| Adapundi | 1 | Rp 3.600.000 |
| Pinjam Yuk | 8 | Rp 3.000.000 |
| AdaKami | 7 | Rp 2.852.765 |
| KTA Kilat | 3 | Rp 2.599.998 |
| Gopay Later / Gopay Pinjam | 252 | Rp 0 |
| Kredit Pintar | 13 | Rp 0 |
| Asetku / Akulaku | 3 | 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 0 | 162 |
| DPD 1-30 | 119 |
| DPD 90+ | 11 |
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Collectibility × Loan Status (Count)
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| L | F | W |
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| DPD 0 | 162 | — | — |
| DPD 1-30 | 119 | — | — |
| DPD 90+ | — | 2 | 9 |
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Collectibility × Loan Status (Outstanding Loan Value)
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| L | F | W |
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| DPD 0 | Rp 0 | — | — |
| DPD 1-30 | Rp 0 | — | — |
| DPD 90+ | — | Rp 11.449.999 | Rp 28.502.762 |
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Year × Loan Status (Count)
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| L | F | W |
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| 2018 | 10 | — | — |
| 2019 | 19 | — | — |
| 2020 | 28 | — | — |
| 2021 | 76 | — | — |
| 2022 | 84 | 2 | 9 |
| 2023 | 64 | — | — |
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Year × Collectibility Status (Count)
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| DPD 0 | DPD 1-30 | DPD 90+ |
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| 2018 | 10 | — | — |
| 2019 | 12 | 7 | — |
| 2020 | 13 | 15 | — |
| 2021 | 56 | 20 | — |
| 2022 | 46 | 38 | 11 |
| 2023 | 25 | 39 | — |
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CLIK Bureau Analysis\n \n 9 loans ·\n Rp 89.763.670 debit balance ·\n DPD mean 12.22, max 58.0 days\n \n
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\n Secured: 1 loans, Rp 53.999.306 ·\n Unsecured: 8 loans, Rp 35.764.364 ·\n Total disbursed (Initial Credit Limit): Rp 151.080.000\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 | 6 | 3 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 82.219.234 |
| DPD 1-89 | Rp 7.544.436 |
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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 88.442.567 |
| Credit to third parties through other agencies by channeling | Rp 1.099.103 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 222.000 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Conventional Rural Bank | Rp 53.999.306 |
| Conventional Commercial Bank | Rp 29.097.031 |
| Non Financial Services Institution | Rp 5.000.000 |
| Fintech | Rp 1.445.333 |
| Financing Company | Rp 222.000 |
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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 | 1 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 53.999.306 |
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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 53.999.306 |
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Debit Balance per Provider Type Code
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| Provider Code | Sum |
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| Conventional Rural Bank | Rp 53.999.306 |
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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 | 5 | 3 |
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DPD Bucket × Debit Balance (sum)
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| DPD Bucket | Debit Sum |
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| Current | Rp 28.219.928 |
| DPD 1-89 | Rp 7.544.436 |
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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 34.443.261 |
| Credit to third parties through other agencies by channeling | Rp 1.099.103 |
| Buy Now Pay Later (BNPL) - Non Fintech (i.e. Banks) | Rp 222.000 |
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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 29.097.031 |
| Non Financial Services Institution | Rp 5.000.000 |
| Fintech | Rp 1.445.333 |
| Financing Company | Rp 222.000 |
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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 52.13% | \n Green | \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 52.54% | \n Amber | \n < 40% Green | 40-60% Amber | > 60% Red (gate: TOIR ≤ 130% OR FOIR ≤ 60%) |
\n | Debt-to-Income (Annual) | \n 63.10% | \n Green | \n < 300% Green | 300-500% Amber | > 500% Red |
\n | Total Debt / Annual Income | \n 0.63x | \n Green | \n < 3x Green | 3-5x Amber | > 5x Red |
\n | Residual Monthly Income (post all outflows) | \n Rp 3,130,000 | \n Amber | \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 Section did not run for this application\n \n
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\n The profile-check agent did not produce output. This usually means the application\n was fast-tracked to decline before the synthesis stage, or the agent failed silently\n (check pipeline logs for 'profile_check' entries).\n
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Risk Factors
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\n | Category | Severity | Description |
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\n | Bureau | \n High | \n Wilful default status with 9 write-offs totaling IDR 39.95M outstanding, including multiple pinjol defaults from August 2022 |
| Bureau | \n High | \n Current delinquency on 3 active accounts with up to 58 days past due, showing ongoing payment difficulties |
| Bureau | \n High | \n Extreme credit exposure with 24 active trades and total outstanding of IDR 129.7M vs declared IDR 125M |
| Behavioural | \n High | \n Pattern of taking multiple high-risk pinjol loans simultaneously in August 2022, then defaulting on all within 3 months |
| Banking | \n High | \n No meaningful banking data available (0 transactions, 1 month) - cannot verify income or spending patterns |
| Application | \n Medium | \n Significant underdeclaration of debt burden - customer declared IDR 125M vs bureau showing IDR 129.7M |
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Executive Summary
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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.
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Interview Question Bank (16 questions)
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Verification
- \n 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?\n
Why: Address verification and stability assessment\n - \n You mentioned 0 dependents - can you confirm you have no financial obligations to parents, siblings, or other family members?\n
Why: Hidden expense verification\n - \n What is your exact job title and department at Bank SMBC Indonesia, and can you provide your employee ID?\n
Why: Employment verification for high-risk applicant\n - \n What is your direct supervisor's name and contact number at Bank SMBC Indonesia?\n
Why: Employment verification reference\n
Debt Background
- \n 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?\n
Why: Understanding the root cause of financial distress and assessing honesty\n - \n You currently have 3 accounts that are past due, including one 58 days overdue. Why are you unable to service these current obligations?\n
Why: Assessing current financial capacity and payment behavior\n - \n Why do you believe debt consolidation will solve your payment issues when you're currently struggling with existing obligations?\n
Why: Understanding consolidation rationale and re-leveraging risk\n
Income
- \n Your declared salary is IDR 17.13 million - can you break this down into base salary, allowances, and any variable components?\n
Why: Income verification and sustainability assessment\n - \n Have you experienced any salary delays or reductions at Bank SMBC Indonesia in the past 12 months?\n
Why: Income stability verification\n - \n Do you have any side income, freelance work, or other sources of money beyond your bank salary?\n
Why: Complete income picture and debt servicing capacity\n
Expense Validation
- \n You declared IDR 5 million monthly expenses - can you provide a detailed breakdown of your major expense categories?\n
Why: Expense validation and budget realism\n - \n Where do you currently live and what are your monthly housing costs including utilities?\n
Why: Housing expense verification (declared 0 rent seems unrealistic)\n - \n What are your monthly transportation costs for commuting to Bank SMBC Indonesia?\n
Why: Expense validation for Jakarta-based employment\n
Future Plans
- \n Do you have any savings, investments, or assets that could be used for lump-sum debt reduction?\n
Why: Alternative debt resolution capacity\n - \n How will you prevent taking additional loans after consolidation, given your history of multiple pinjol applications?\n
Why: Re-leveraging risk assessment\n - \n Are you currently in discussions with any of your existing lenders about payment plans or settlements?\n
Why: Understanding current debt management efforts\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: 2026-05-11T18:41:31.010805\n
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