Comprehensive Credit Score Calculator (Demo)

PD (Default Probability)

DP3

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DP6

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DP12

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Catatan: PD12 sumber utama; PD6≈0.65×PD12; PD3≈0.35×PD12 (demo).

Credit Score (300–900)

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Band — —

Kelayakan & Kebijakan

Bureau-like

DPD (hari) Max delinquency 12m (hari) Trade-lines aktif Hard inquiries 3m Credit Utilization (CUR%) Credit mix (proporsi installment %)

Flag: Thin file (<3 TL) First-time borrower

Capacity

Pendapatan (Rp jt/bulan) Pengeluaran (Rp jt/bulan) Plafon pinjaman (Rp jt) Tenor (bulan) Tenure kerja (bulan) Tenure domisili (bulan) Status hunian

DTI & Payment-to-Income dihitung otomatis.

Wallet • Telco • Util • E-Com

E-wallet GMV 30d (Rp jt) E-com GMV 30d (Rp jt) Return rate e-com (%) Telco ARPU Telco churn risk (%) On-time Utilities (%)

Region • Season • Macro

Region risk bucket Musiman / Ramadan index (−1..+1) Makro shock index (−1..+1)

Device • Velocity • Liveness

Device risk Velocity (transaksi/permohonan) IDV (OCR/Liveness) Anomaly score (0–100) Device reuse/shared

RFM • Propensity

RFM (1–5, total) Propensity to Pay (0–1) Payment streak (bulan)

Explain

Scenario

DPD (hari): 10 CUR (%): 60 On-time Utilities (%): 90

Simulated PD12

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