Technology Solutions for the Future Digital.

We build the core systems commercial banks, rural banks, and cooperatives run on: credit from application through to a documented approval in the Integrated Loan Approval System, field collections in Mobile Collection, member and savings-and-loan management for cooperatives, plus daily reconciliation, dealing, virtual accounts, and Lakupandai agent services. All of it designed around OJK requirements from the start, connected to the core banking you already run, and supported by our team after go-live.

Village administrations handle funds that must be accountable down to the last rupiah. The Village Payment CMS brings balance monitoring, spending, payments, and staff payroll into one application, recorded automatically in the regional bank system and connected to Siskeudes. Reporting stops being a job of copying figures from a ledger into a spreadsheet, and an auditor can trace every transaction back to its source.

An association lives on its membership, and that is exactly where the administration gets heaviest. Perbarindo (SIP) handles member records, dues, certification, and a job portal on one platform, so the committee is no longer maintaining several lists that disagree with each other. Members maintain their own details, dues collection runs on a schedule, and the committee has a full picture of who is active without recapping it by hand.