BTN SSB
A banking-grade platform that computes and manages Bank BTN monthly Subsidi Selisih Bunga (interest-rate subsidy) on subsidized mortgages.
BTN SSB is an internal, banking-grade platform for Bank BTN that computes and manages the monthly Subsidi Selisih Bunga: the difference between commercial and subsidized interest rates that the Government of Indonesia reimburses the bank on subsidized mortgages (KPR Subsidi).
It automates the entire calculation, including recalculation when rates change and the handling of non-eligible accounts, and enforces control through a maker-checker approval workflow so every figure is reviewed before it is finalized.
With a drill-down dashboard, comprehensive reporting and a complete audit trail, the platform gives Bank BTN accuracy, transparency and accountability over a high-stakes, regulation-sensitive subsidy process, engineered on Laravel with PostgreSQL, Redis and real-time processing.
Key Features
Automated SSB calculation
Computes the monthly interest-rate subsidy per account.
Rate-change recalculation
Recomputes automatically when reference or subsidized rates change.
Eligibility handling
Detects and manages non-eligible accounts.
Maker-checker approvals
Every result is reviewed before it is finalized.
Drill-down dashboard
Explore figures from portfolio level down to each account.
Reporting & audit trail
Full reports and a complete, traceable audit history.
