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Skatsa Loan Tracker
LOAN LIFECYCLE PLATFORM
Loan management system

From application
to the final installment

Application, document verification, eligibility analysis, committee decision, agreement, disbursement, down to collectibility monitoring. Every step recorded, every calculation traceable.

Sign inExplore Features
Full audit trail|Multi-branch|Tiered access control

Workflow

One application goes through these eight stages without switching systems.

  1. 1
    Application
    Form + client documents
  2. 2
    Verification
    Document checklist
  3. 3
    5C Analysis
    DBR · DSCR · LTV · Scoring
  4. 4
    Committee
    Tiered approval
  5. 5
    Agreement
    SP3K & collateral binding
  6. 6
    Disbursement
    Auto installment schedule
  7. 7
    Servicing
    Payments & penalties
  8. 8
    Monitoring
    KOL · EWS · NPL

Key Features

The system runs the financial calculations; people make the decisions.

01

Application intake

Per-product forms with automatic document checklists. Incomplete files cannot move on to verification.

02

Eligibility analysis

DBR, DSCR, and LTV are computed from borrower data. The 5C score recommends; analysts and the committee decide.

03

Credit committee

Per-level approval limits. An analyst cannot approve the same application they analyzed.

04

Disbursement & servicing

Installment schedules are generated at disbursement. Payments are allocated to penalties, interest, then principal — standard banking practice.

05

Credit monitoring

Collectibility is computed from days past due per POJK 40/2019, with automatic CKPN provisioning and early warnings when payments start slipping.

06

Audit trail

Every approval and change is recorded: who, when, and what changed before and after.

Try it with your own data

Sign in with your assigned account, or contact the Skatsa Data Integra team for demo access.

Sign in Skatsa Loan Tracker