Our Product

Loan Origination System (LOS)

Make credit scoring more interesting

What Is Loan Origination System

What is a Loan Origination System?
Why Use a Loan Origination System?
Benefits of Using a Loan Origination System for Your Business

What is a Loan Origination System?

The Galaxa Loan Origination System application is a system used to process credit applications for facility types such as Credit Cards, Mortgages/KPR, Multi-purpose loans, Vehicle loans, Unsecured Loans (KTA), and other credit products. The loan application process begins when the application is received by marketing, followed by the input of minimal data on the Screen IDE for duplicate checking, SLIK OJK (Financial Information Services System), and document completeness verification.

Why Use a Loan Origination System?

The Loan Origination System solution offered by Indonesian Cloud is an All-In-One Solution that includes key features to easily create Content Management, Reporting, Workflows, Decisions, and Administration. With these features, it is clear that LOS is the answer to your problems. Furthermore, LOS does not require upfront capital costs because fees are charged based on each successful credit application.

Benefits of Using a Loan Origination System for Your Business

To meet your Organization/Company’s need for loan process automation, a workflow-based system is required to accelerate, record, and manage the loan application process until disbursement, ensuring time and cost efficiency. Considering this, a web-based application is highly suitable for loan input processes as it can be accessed by all units from anywhere without the need for installation.

Advantages Of Loan Origination System

Advantages of Loan Origination System by Indonesian Cloud

Business Process Management

Flexibility in defining workflows (Dynamic Workflow) across one or more business sectors.

Users can create Workflows on various database systems using a highly interactive and user-friendly Flow Chart GUI.
Capable of retrieving data for conditional Workflow branching using defined dictionaries from various database systems, either as variables or functions.

Decision Support System

The ability to provide decisions based on assessment policies for a specific parameter.

Users can easily create various decision engines across different database systems.
Allows the creation of decision engines with templates, rules, and results that can be flexibly configured (parameterized)
Capable of retrieving data using defined dictionaries from various database systems, either as variables or functions.

Business Intelligent

Integrating various types of data to form more comprehensive reports.

Users can create reports using an interactive and user-friendly GUI.
Supports data retrieval using Query, OLAP, or Dictionaries defined as variables or functions.
Capable of creating reports using a scheduler, with results that can be sent via email and also stored in other application systems.

Content Management System

Flexibility as a Low Code Application, making it easier for users to manage parameters with minimal IT resources.

Users can create and modify navigation modules, authority access, and input screens.
The created modules will have a framework for easy manipulation of databases, input screens, workflows, and decisions.

The example modules listed beneath this section in the original Indonesian page are:

Loan Origination System (Credit Card, Consumer, Micro, SME)
Budget Management (Budget Control, Request & Realization)
Document Management System
Credit Bureau Automation System

Business Process Management

Fleksibilitas dalam menentukan alur kerja (Dynamic Work flow) baik pada satu atau lebih sektor bisnis

User dapat menciptakan Workflow pada berbagai macam system database dengan menggunakan Flow Chart GUI yang sangat interaktif dan mudah digunakan.
Dapat melakukan retrieve data untuk conditional percabangan Workflow dengan menggunakan dictionary yang telah didefinisikan pada berbagai macam system database baik dalam bentuk variable atau function.

Decision Support System

Kemampuan dalam memberikan keputusan terhadap kebijakan penilaian terhadap suatu parameter

User dapat menciptakan berbagai macam decision engine dengan mudah pada berbagai macam system database.
Dapat menciptakan decision engine yang memiliki templates, rules, dan hasil yang dapat dikongurasi secara fleksibel (parameterized).
Dapat melakukan retrieve data menggunakan dictionary yang telah didefinisikan pada berbagai macam system database baik dalam bentuk variable atau function.

Business Intelligent

Mengintegrasikan berbagai macam data untuk menjadi laporan yang lebih komprehensif

User dapat create report dengan menggunakan GUI interaktif yang mudah digunakan.
Mendukung retrieve data menggunakan Query, OLAP, maupun Dictionary yang telah didefinisikan baik dalam bentuk variable atau function.
Dapat menciptakan report dengan menggunakan scheduler dan hasilnya dapat dikirim ke email dan juga dapat disimpan di system aplikasi lain.

Content Management System

Fleksibilitas sebagai Low Code Application sehingga mempermudah user dalam melakukan pengaturan parameter dengan sumber daya IT yang minim.

User dapat menciptakan dan melakukan modifikasi module navigasi, authority access, dan input screen.
Modul yang diciptakan akan memiliki framework untuk manipulasi database, input screen, workflow, dan decision dengan mudah.

Contoh beberapa modul yang telah dibangun adalah:

Loan Origination System (Credit Card, Consumer, Micro, SME)
Budget Management (Budget Control, Request & Realization)
Document Management System
Credit Bureau Automation System

Benefit Of Loan Origination System

Benefits of Loan Origination System by Indonesian Cloud

Time and Cost Efficiency

By eliminating the effort to create general features in applications, time and cost efficiency will certainly increase. A plus point is that it also enhances the capabilities of all applications built on the LOS Platform to be more powerful.

Ready Solution for Banking

The Galaxa Loan Origination System Platform and Application offered is a solution proven to have been successfully implemented in several Banks in Indonesia. Having been implemented in various companies in Indonesia, our solution follows Indonesian financial industry standards, adjusted to financial practices and Bank Indonesia reporting.

Designed According to Needs

Indonesian Cloud's Galaxa Loan Origination System Application Platform is specifically designed to fully adapt to future developments. The modular and fully parameterized concept allows LPMUKP (Public Service Agency for Marine and Fisheries Capital Management) to easily modify features in a relatively short time to capture dynamic market challenges.

Role-Based Security

Indonesian Cloud's Galaxa Loan Origination System Application Platform provides user management that can be fully configured according to pre-defined organizational roles. Administrators can determine roles and what they can access within the LOS.

User Friendly

Indonesian Cloud's Galaxa Loan Origination System Application Platform is very user-friendly and developed to be a lightweight system, requiring less bandwidth than other web-based solutions. It is also easy to maintain with all its flexibility and parameter & function-based features.

Uncompromised Security

We always track the latest trends in web-based application security issues and measures. We utilize industrial-strength security protocols and practices that cover potential threats.

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Our Product

Loan Origination System (LOS)

Make credit scoring more interesting

What Is Loan Origination System

Advantages Of Loan Origination System

Advantages of Loan Origination System by Indonesian Cloud

Business Process Management

Decision Support System

Business Intelligent

Content Management System

Business Process Management

Decision Support System

Business Intelligent

Content Management System

Benefit Of Loan Origination System

Benefits of Loan Origination System by Indonesian Cloud

Others

Our Related Product

Private Cloud

Social Media Analytics

Cloud Backup

Cloud Disaster Recovery

Public Cloud

Virtual Private Server

Request An Order

Compute

Container

Storage

Database

Office Collaboration

Finance Platform

Analytic Platform

Customer Service Platform

What Is Loan Origination System

Advantages Of Loan Origination System

Advantages of Loan Origination System by Indonesian Cloud

Business Process Management

Decision Support System

Business Intelligent​

Content Management System

Business Process Management

Decision Support System

Business Intelligent​

Content Management System

Benefit Of Loan Origination System

Benefits of Loan Origination System by Indonesian Cloud

Others

Our Related Product

Private Cloud

Social Media Analytics

Cloud Backup

Cloud Disaster Recovery

Public Cloud

Virtual Private Server

Request An Order

Business Intelligent

Business Intelligent