📋 Credit Summary — Pre-Interview Brief

Evi Meiwatiningsih · KTP: 32010141XXXXXXXXXX · Generated: 05 May 2026, 15:55 WIB

Applicant Profile

Eligibility Check (10 Hard Rules)

Income & Loan Request

Loan Reconciliation (Customer / Bureau / Bank)

Credit Ratios

Bank Statement Category Pivot (Top 12 by Volume)

Risk Factors

Executive Summary

46-year-old admin assistant seeking IDR 77M debt consolidation with stable 4-year employment at law firm. Key concerns include 32% debt underdeclaration (actual IDR 101.8M vs declared IDR 77M), current 4-day delinquency on BRI facility, and recent large Pegadaian transaction suggesting financial stress. However, stable income, home ownership, and conservative ratios support conditional approval with enhanced monitoring and verification requirements.

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: Verify address stability and confirm KTP details match current residence
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. How long have you been working as Admin Assistant at HBT Law Firm, and what are your main responsibilities?
   Why: Confirm employment tenure and job stability at the law firm
4. Is your salary paid consistently on the same date each month, and have there been any delays recently?
   Why: Assess income reliability and explain any payment irregularities in bank statements

Debt Background

1. You declared IDR 77M in debt, but our bureau check shows IDR 101.8M total outstanding. Can you explain this difference?
   Why: Address the significant 32% underdeclaration gap and assess transparency
2. What led you to accumulate loans from 13 different lenders including banks, fintech, and paylater services?
   Why: Understand debt accumulation pattern and financial management behavior
3. Your BRI facility shows 4 days past due. What happened with this payment and what's the current status?
   Why: Assess recent payment stress and current delinquency management

Income

1. Besides your IDR 12.4M base salary, do you receive any bonuses, overtime, or additional income from the law firm?
   Why: Explain why bank-detected income (IDR 14.9M) exceeds declared amount
2. Do you have any side income, freelance work, or other sources of money beyond your main job?
   Why: Identify additional income sources that could support debt service

Expense Validation

1. You declared IDR 5M monthly expenses. Can you break this down - how much for food, utilities, transportation, and family needs?
   Why: Validate expense declaration and understand spending patterns
2. I see regular IDR 500K 'Arisan' payments in your bank statement. What is this for and is it mandatory?
   Why: Understand fixed social/community obligations that impact cash flow

Future Plans

1. There's a large IDR 7.2M transaction from Pegadaian in your recent statement. What was this for?
   Why: Understand if this represents asset liquidation, additional borrowing, or other financial stress
2. After consolidating your debts, how will you ensure you don't accumulate new loans from other lenders?
   Why: Assess re-leveraging risk and financial discipline commitment
3. Do you have any assets, savings, or emergency funds that could help with loan payments if your income is disrupted?
   Why: Evaluate backup payment capacity and financial resilience

System-generated pre-interview brief. All figures subject to verification. Final decision rests with the credit officer. Generated: 2026-05-05T15:55:46.194505