Bima Loan
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.
The Challenge
Scaling a singular banking workflow into four distinct business segments presented immense architectural challenges. Each segment (Mikro vs Konsumer vs Ritel) has vastly different scoring metrics, collateral checks, verification APIs (like Dukcapil and SIKP), and hierarchical approval chains. The bank required field officers and internal reviewers to have seamless mobile access to these workflows without relying on desktop legacy systems. Furthermore, while the majority of the user base utilized Android, there was a strict requirement to provide specialized iOS access for the fast-moving Konsumer PLO (Payroll Loan) market.
My Role
Lead Mobile Developer (Android & iOS)
I was responsible for the end-to-end implementation of all mobile platforms across this entire ecosystem. My responsibilities encompassed:
- Android Engineering (All Variants): Single-handedly developing the Android applications for all four variants (Mikro, Ritel, Konsumer, Kelembagaan). I utilized Clean Architecture, MVVM, and Dagger Hilt alongside Kotlin Coroutines and Flows to ensure the core data layer could be reused where applicable, while allowing segment-specific business logic to thrive. The UI was built using a hybrid of traditional XML and Jetpack Compose.
- iOS Engineering (Konsumer - PLO, KMG, and Ready Cash): Designed and developed the iOS version specifically for the Konsumer PLO, KMG, and Ready Cash variant. I built this natively using Swift, heavily leveraging UIKit and XIB files to ensure pixel-perfect matches with the bank's design systems.
- Complex Integrations: Embedded automated Optical Character Recognition (OCR) / eKYC for instant KTP data extraction, alongside live integrations with government endpoints.
- Environment Management: Managed multi-flavor/build variants across both Android (Gradle) and iOS (Xcode) to seamlessly deploy Development, Staging, and Production builds.
Tech Stacks:
- Android: Kotlin, Clean Architecture, MVVM/MVI, Dagger Hilt, Coroutines & Flows, Jetpack Compose, XML/ViewBinding, Room, Retrofit, Chucker.
- iOS: Swift, UIKit, XIB, Native Apple Ecosystem APIs.
- Tools Integrations: Firebase, OCR/eKYC, Socket.IO, Google Maps, Gradle, Xcode.
The Outcome
The launch of the Bima Loan revolutionized Bank Jateng's origination capabilities. By decoupling the segments into Mikro, Ritel, Konsumer, and Kelembagaan, the bank could simultaneously roll out targeted mobile tools to specialized lending officers. Processing times plummeted across the board, moving workflows away from legacy paper systems to instant digital forms. The targeted iOS deployment for the PLO, KMG, and Ready Cash segment specifically unlocked frictionless mobile originations for high-value payroll clients, solidifying the suite as an instrumental internal asset for the bank's daily field operations.
