// STRENIK.BMS · FINANCE PLATFORM
MVP · DEMO AVAILABLE
From the first application to the PK document — all in one system.
Strenik.BMS automates the manual workflow of your credit team: from customer registration and SLIK analysis to PK documents that fill themselves. More applications finished each day — with the same team.
// A SITUATION THAT MAY FEEL FAMILIAR
Every process runs — but nothing connects.
SLIK PDFs arrive from OJK — then get copied into Excel by hand, one line at a time.
Credit-analysis files sit on each account officer's laptop — with no single official version.
The MAK narrative is rewritten from a Word template for every new application.
SPPK and PK documents are copy-pasted from the previous application's paperwork.
The committee asks for a status update — the AO is chased over WhatsApp, and everyone waits for a reply.
Not because your team isn't capable — but because nothing connects it all together.
// HOW IT WORKS
One flow. From the first application to a signed PK.
Each stage feeds the next. Data entered once is never re-entered. Status is always visible to anyone with access.
01
Credit registration
Borrower data, application details, and the responsible officer are recorded centrally from day one. No more per-AO Excel files.
02
SLIK & collateral
Upload the SLIK PDF — AI extracts every loan and collateral record automatically. No more manual entry from OJK documents.
03
Credit analysis
Repayment capacity, DSR, and eligibility are calculated in one connected form. SLIK data is right there — no re-keying from another file.
04
MAK & committee approval
AI drafts the MAK narrative from the analysis already on file. The committee sees the full context in one place — no gathering documents from many sources.
05
SPPK, PK & disbursement
Approval and credit-agreement documents fill themselves from data already captured. No copy-pasting from the previous application.
// WHAT'S ALREADY AVAILABLE
Modules you can use today.
Not a roadmap — this is what's built. Every module connects to the next, with data flowing through without manual re-entry.
Credit management
One credit flow, from application to disbursement
Registration, process position, officer assignment, approval, disbursement, and monitoring — built as one workflow you can supervise at any moment.
SLIK & credit analysis
From an OJK PDF to analysis data — with no manual entry
Upload the SLIK PDF and AI extracts the loan and collateral data. Repayment capacity and DSR are calculated straight from the same data.
Collateral
Every asset recorded, monitored, auditable
Registration, valuation, and monitoring of collateral across the whole portfolio — with a full audit history and document attachments.
Documents & reports
SPPK, PK, and reports fill themselves from data already on file
MAK, SPPK, PK, and internal report templates are customised per BPR. Data already in the system fills them automatically — no copy-paste between documents.
// AI IN STRENIK.BMS
AI that handles the parts that waste the most time.
Not a generic chatbot. The AI in Strenik.BMS understands the BPR context and does real operational work.
SLIK
Before
Open the PDF from OJK and copy every loan and collateral record into Excel, one by one.
With Strenik.BMS
Upload the PDF → AI reads it and fills in every loan and collateral record automatically.
MAK
Before
Write the MAK narrative from scratch, cross-referencing numbers in a separate analysis spreadsheet.
With Strenik.BMS
The analysis data is already in the system → AI drafts the recommendation, ratios, and risk summary in seconds.
Forms
Before
The AO fills a long form field by field, switching tabs to check borrower data.
With Strenik.BMS
Describe the application to the AI in chat — the form fills itself from the conversation.
// BEFORE YOU ASK
The questions that usually come up after a demo.
Do we have to migrate all our data first?
No. Start with a single new application. Your old system keeps running in parallel — there's no big-bang migration that forces you to halt operations.
What about OJK compliance?
Every data change, stage transition, and user action is logged automatically in an immutable audit trail — ready whenever OJK audits.
Can our team use it right away?
Field officers, analysts, and the committee each get views and access suited to their role. We guide onboarding for the core team — usually done within days.
How does pricing work?
Start with one branch, one module. In this MVP phase we prioritise the right fit first — not volume. We'll discuss it directly in the demo.
// FAQ
Frequently asked, before a demo.
Strenik.BMS currently runs as a cloud application. Deployment options can be discussed during the demo.
Each organisation's data is strictly isolated, and every activity is recorded in an immutable audit trail.
Not all at once. Many BPRs start with a single module while the old system keeps running in parallel.
Report templates follow BPR operational and management formats. How closely they fit your specific OJK requirements can be worked through in a session.
Integration with external systems can be discussed. Strenik.BMS is built as an operational layer that can stand alone or connect to other systems.