ADIFA – Digital Loan Origination & Credit Analysis for Rural Banks
ADIFA (Digital Financing Analysis App) digitizes the end-to-end loan process for BPRs (Indonesian rural banks) through a role-based, multi-level workflow. Sales officers register prospective borrowers, credit analysts assess each application, branch managers make the credit decision, and the system issues the SPPK (credit approval letter). Head office monitors applications across all branches. Built-in automatic credit calculations include collateral valuation for buildings, vehicles, and land with buildings.