Andika
Sultanrafli

Bima Loan is a comprehensive multi-platform Loan Origination System and ecosystem developed during my tenure at IOTANESIA specifically for Bank Jateng. It is engineered to digitize and streamline the entire end-to-end lending process across every banking segment the institution serves. To achieve this, the ecosystem is separated into four distinct platforms tailored to vastly different underwriting rules and business targets. The Mikro platform is targeted at UMKM, or micro, small, and medium enterprises, ensuring rapid capital deployment for small businesses. The Ritel platform is designed for larger-scale retail and commercial loan originations. The Konsumer platform represents a massive segment dedicated to personal and consumption loans, which is heavily sub-divided into Payroll Loan (PLO) for fast-track loans tied to employee payroll systems; Kredit Pemilikan Rumah (KPR) for mortgage and housing property loans; Kredit Kendaraan Bermotor (KKB) for automotive and vehicle loans; Kredit Multiguna (KMG) for flexible multipurpose loans using collateral; and READY CASH for instant, fast-liquidating digital cash loans for immediate consumer needs. Finally, the Kelembagaan platform is a highly specialized loan variant designed for institutional clients and the bank's own internal employees.

Kaku is a full-stack web app for artist portfolio built from scratch, consisting of a public-facing portfolio site, a headless REST API, and a private CMS dashboard, allowing all content to be managed and updated dynamically.