SATU Sarana Transaksi Keuangan

SATU Overview

Product Overview

To accommodate BPR (Bank Perkreditan Rakyat) and SME’s requirements for modern banking procedures, telkomsigma has developed SATU, a core banking system with zero investment required. Because BPR SATU uses SaaS concept (Software as a Service), a form of Cloud Computing service delivered by telkomsigma, which provides software, hardware, infrastructure, and IT professional management. Banks are able to concentrate on their core business, cut cost on CAPEX (Capital Expenditures) and focus on OPEX (Operational Expenditures).

In the banking business, customers trust, transaction security, and quality of service are the priority goals for banks to achieve. Customer behavior and growing demand of easy and flexible banking creates competitiveness among banks to apply modern banking procedures by utilizing advances in technology.

Online banking services or increasing number of branches can not be effective without the ease, convenience, and flexibility for customers to conduct those transactions. It can be observed from the increasing number of forms of services provided by banks these days, including the use of ATM machines, Kiosk, SMS Banking and various other delivery channels as well as a variety of payment services [Tax, PLN, Telkom, Educational Institutions, etc.].

To support various forms of technology-based Modern Banking services to customers, banks require strong foundation and support of online real-time and integrated information system for the management, auditors and banking regulators. Therefore the role of reliable Information Technology is needed in activities of daily banking operations.

SATU is a Core Banking System for BPR, BPRKS, Cooperatives and SME,

Our Community currently includes 75 BPR, consisting of 678 outlets across Indonesia.

SATU Benefits

SATU as a core banking system manages saving accounts, time deposit, loan, accounting, operational and financial reporting. Operated online, real-time and integrated.

Our services also provide capabilities for SMS Banking and ATM Network Integration and Mobile EDC, enabling current customers easy and flexible access to their funds, while giving BPR the opportunity to develop attractive future products to entice new customers.

SATU also provides BPR, BPRS and Cooperatives with the facility to develop “fee-base” income through payment and purchase transactions. Including payment of TELKOM (telephone) & PLN (electricity) bills and purchasing of cellular credits (FLEXI, Telkomsel, XL etc). As a part of SATU services, we distribute EDCs to BPR, BPRS and Cooperatives, which EDC locations are not restricted to BPR offices to support to be ‘proactive’ and equipped collectors from BPR, BPRS and Cooperatives in carrying out the task of billing, and support the billing reconciliation process at the end of the day, while simultaneously, giving customers and none customers capability for payment and purchase transactions anywhere, while receiving fee-based incomes for BPR.

Benefits for BPR

• Modern End-to-End banking services by utilizing IT and providing online banking.

• Accumulate third party funds and capital.

• Accumulate “fee based” income from various financial transactions.

• Zero investment on IT (CAPEX), expenses only on OPEX.

• Enables BPR to focus on core business, while telkomsigma supports on IT management.

Benefits for customers:

• Access to banking services online and real time.

• Easier to perform financial transaction.

• Receive attractive technology based banking products and services

Satu provides BPR and Small Medium Business with a Core Banking system, packaged as a SaaS (Software as a Service) concept.

Provide applications for :

• Conventional BPR

• Sharia BPR

• Conventional Koperasi (SME)

• Sharia Koperasi (SME)

Continuous development to support BPR’s competitiveness to market and satisfy customer demands.

SATU system employs “Sharing” concept

Services were developed with the concept of “sharing” where the entire developed applications can constantly be utilize by the entire community while maintaining the principle of confidentiality of data, each transaction in accordance with the rules and regulations by Bank Indonesia.
With our “Sharing” application, each BPR, BPRS and Cooperatives will still have the flexibility to develop a variety of products and services according to business needs, using the parameters provided in the application.

SATU BPR Conventional

A core processing system comprising:

• Retail Module (CIF – master, savings)

Savings/deposits with type of interest rate calculations by daily rise/leveling, fixed/flat daily interest, monthly minimum and minimum daily balance.

• Module Deposits

Deposits with the concept of  “periodic time” calculations with monthly and daily period placement.

• Loan Module

– Loan Time calculations/ Time Loan

– Calculation of Annuity Loans / Effective / Sliding

– Flat Loan Calculation

– Flat to Annuity Loans Calculation

– Savings limit Calculation

• Module GL / Accounting

• Facilities for Accounting [General Ledger ] which facilitates BPR to see financial data required and provide information about the financial position of BPR and facilities to report consisting of 100+ reports

• Security Modules and Parameters

• Operational Reports

• BI Reports (Lapbul , SID ) 

SATU BPR Syariah

A core processing system comprising:

• Retail Module (CIF – master customer data, savings)

Savings with the principles of Mudharabah & Wadiah

• Module Deposits

Maintenance of Deposits Product based on Mudharabah contract.

• Financing Modules

• Murabahah
• Istishna
• Salam
• Mudharabah/Musyarakah
• Ijarah
• Qard
• Gadai ‏

• Module GL / Accounting

• Security Modules and Parameters

• Operational Reports

• BI Reports (Lapbul , SID )

SATU Koperasi

A core processing system comprising:

• Master Members

Registration members data are based on member type

• Deposits

Principal Deposits, Mandatory and Voluntary Savings Deposits

• Fixed Deposit

Products deposits with daily and monthly period calculation time

• Loans Receivable

Repayment can be done daily, weekly (7 days), 2 week (14 days), Monthly, Seasonal, Revolving

• Business Profits

SHU calculation (End of Period)

• Operational Reports

• Data Reports for Members by type
• Data Reports for Non Members
• Opening Statements for New Members
• Outstanding report based on the type members and type of deposit
• Compulsory savings overdue Statements

Over 25 Years of Experience

PT Sigma Cipta Caraka [telkomsigma] has experience in the field of Information Technology services to the financial and banking industry for over 20 years. And is trusted in managing HIMBARA’s (Association of State Owned Banks, Bank Mandiri, BNI, BTN, BRI) ATM Switching system with over 22.000 ATM galleries across Indonesia.

SATU is a solution that operates 24 x 7, supported by telkomsigma’s data centers that meets international standards in terms of quality assurance management products and services based on the ISO 9001:2008 certification and management system information security based on ISO 27001:2005 certificate.