Portfolio KSP Finance

FinTech Loan Management System Multi-Language Multi-Reseller Taiwan · Indonesia

KSP Finance — Loan Management System for Indonesian Migrant Workers in Taiwan

KSP Finance — 面向台湾印尼移工的贷款管理系统

A purpose-built loan management platform for KSP Finance — managing the full lifecycle of NTD-denominated personal loans for Indonesian migrant workers (TKW/TKI) based in Taiwan. From borrower registration and contract generation to installment collection, bad debt tracking, and financial reporting — all in one bilingual system serving admin teams in both Taiwan and Indonesia.

专为KSP Finance打造的贷款管理平台，全面覆盖NTD计价个人贷款的完整生命周期——从借款人注册、合同生成，到分期收款、坏账追踪与财务报表，双语系统同时服务台湾与印尼两地管理团队。

Client

KSP Finance

Industry

FinTech · Cooperative Lending

Platform

Web Application

Languages

Bahasa Indonesia · 繁體中文

Currency

NTD (新台幣)

End-to-End

Contract Lifecycle

NTD

Loan Currency

Multi-Reseller + Commission

Channels

ID · ZH Traditional

Languages

Super Admin · Admin · Sales

User Roles

Vision AI Auto-Fill

AI Feature

Loan Products Overview

Range

NTD 6 Juta — 30 Juta (IDR eqv)

Tenor

2 – 13 months

Installments

Fixed in NTD

Auto-Status Flow

Grace Period → Telat → Macet (≥180d)

The Challenge · 面临的挑战

Managing NTD Loans Across Two Countries — With No Unified System

跨台湾与印尼两地管理NTD贷款，却缺乏统一的数字化系统

KSP Finance operates a personal loan business targeting Indonesian migrant workers (TKW/TKI) employed in Taiwan — all loans issued and repaid in NTD. The business runs through a multi-tier distribution network: the parent company, multiple sales agents, and their sub-resellers, each earning commission per disbursed loan.

Without a centralized digital platform, tracking borrower status, installment collections, commission calculations, overdue escalation, and financial reporting across two countries was entirely manual — creating significant operational risk and no visibility into portfolio health.

KSP Finance面向台湾印尼移工提供以NTD计价的个人贷款业务，通过"公司—销售代理—子经销商"多级分销网络运营，各级按贷款放款金额收取佣金。缺乏统一数字平台，导致借款人状态追踪、分期回款、佣金计算、逾期升级与跨国财务报表均依赖人工处理，运营风险极高，贷款组合健康度完全不透明。

No Centralized Borrower Database

Borrower identity (ARC, Passport, NIK), employer details, emergency contacts, and bank accounts were managed in scattered spreadsheets — no single source of truth, no blacklist check, no duplicate detection.

借款人身份、雇主信息、紧急联系人与银行账户分散于多张电子表格，无统一数据源，无黑名单核查，无重复登记检测机制。

No Automated Loan Status Tracking

Overdue days were calculated manually. Grace periods, penalty starts, and bad debt thresholds were tracked individually per file — leading to missed escalations and inconsistent penalty billing.

逾期天数依赖人工计算。宽限期、罚款起始与坏账阈值各自独立跟踪，导致升级遗漏与罚款账单不一致。

No Multi-Tier Commission Management

Sales agents and their resellers each had different commission rates — but there was no system to calculate, attribute, or report commissions per disbursement automatically.

销售代理与下级经销商佣金比例各异，却无系统自动计算、归因与按放款记录报告佣金。

No Cross-Country Financial Visibility

With admin teams in both Taiwan and Indonesia, there was no consolidated P&L, no ROI per contract, and no monthly bad debt trend report that both teams could access simultaneously in their own language.

台湾与印尼两地管理团队各自为政，无统一损益表、无合同ROI分析、无双语可访问的月度坏账趋势报告。

Platform Modules · 系统模块

Every Stage of the Loan Lifecycle — Covered

贷款全生命周期的每个阶段，均有对应模块覆盖

Highlight Feature

AI-Powered Borrower Onboarding

A single-page registration form featuring two standout smart capabilities before any data is manually entered.

Vision AI Auto-Fill

Upload ARC photo → AI extracts and populates identity, dates, and employer name automatically.

上传ARC照片，AI自动提取并填充身份与雇主信息。

Automated Risk Check

Verifies against blacklists and active loan histories before onboarding continues.

注册前自动核查黑名单与历史借贷记录。

Extracting ARC Data...

Multi-Tier Master Data

Manage the complete distribution network: Agency → Sales Agent → Reseller with role-based data visibility and commission tracking.

三级分销网络管理（中介→销售→经销商），基于角色控制数据权限。

Loan & Contract Processing

Seamless workflow from package selection, admin verification, contract upload, to final disbursal. Automated status escalation (Grace Period → Telat → Macet).

从套餐选择、审核、合同上传到放款的无缝审批流，支持状态自动升级。

Smart Collection & Payment

Auto-detects payment type based on input amount. Prioritizes outstanding penalties before reducing principal. Special tracking for Bad Debt (Macet) recovery.

根据输入金额自动识别付款类型，优先抵扣罚款，强化坏账回收追踪。

Financial Reports

6 comprehensive report types including Daily Payment Recap, Bad Debt Tracking, Sales Performance Matrix, and Per-Contract ROI Analysis in NTD.

6大财务报表，涵盖每日收款汇总、坏账追踪、销售绩效矩阵与单合同ROI分析。

Dashboard & Configuration

Real-time operational overview with daily income, portfolio health, and upcoming due dates. Super Admin controls for Bad Debt Thresholds, Grace Periods, and Loan Products.

实时仪表盘及超级管理员专属的坏账阈值、宽限期与贷款产品配置中心。

NTD

What Makes It Different · 核心能力亮点

Built Specifically for Cross-Border Migrant Worker Lending

专为跨境移工贷款业务量身构建

NTD-native

All loan amounts, installments, and financial reports in NTD.

全系统以NTD为本位货币，无汇率换算歧义

Bilingual interface

Bahasa Indonesia and Traditional Chinese (繁體中文) for admin teams in both countries.

双语界面，分别服务印尼与台湾管理团队

Vision AI document processing

ARC photo → auto-populated identity form.

ARC照片→自动填充身份表单，大幅提升录入效率

Automated risk check

Blacklist, active loan, and loan history verification before onboarding.

注册前自动核查黑名单、在贷与历史记录

Multi-tier commission network

Agency → Sales → Reseller with role-based data access.

多级佣金网络，按角色控制数据可见范围

Auto loan status escalation

System monitors overdue days daily; status updates without manual intervention.

系统每日自动监控逾期天数，无需人工干预即可升级状态

6 financial report types

From per-receipt payment recap to per-contract ROI analysis.

从单笔收款凭证到合同ROI分析，6种财务报表全面覆盖

Results · 项目成果

Full Operational Control. Real-Time Portfolio Visibility. Cross-Border.

完整运营管控，实时贷款组合可视化，跨国协同。

End-to-End Loan Lifecycle Digitized

贷款全流程数字化

Every stage from borrower registration to final repayment is tracked, documented, and auditable in one system — eliminating reliance on spreadsheets and manual follow-up across two countries.

从借款人注册到最终还款的每个阶段均可追踪、记录与审计，彻底告别跨国电子表格与人工跟进。

Automated Risk & Status Mgmt

自动化风险与状态管理

The system monitors overdue days daily and escalates loan status automatically — Grace Period → Telat → Macet — based on configurable thresholds, with no manual intervention required.

系统每日自动监控逾期天数并升级状态，基于可配置阈值自动从宽限期→逾期→坏账，无需人工介入。

Multi-Country Team, One Platform

跨国团队，一套平台

Admin teams in both Taiwan and Indonesia access the same system with role-based permissions and their own language interface — enabling real-time collaboration without communication lag.

台湾与印尼两地管理团队通过同一平台协作，按角色权限隔离数据，各自使用母语界面，实现实时跨国协同。

Custom FinTech & Loan Management

We build purpose-built loan origination, contract management, and collection platforms for lending businesses — from cooperative lenders to multi-branch financial services companies.

为贷款机构打造定制化贷款发起、合同管理与催收平台——从合作社贷款商到多分支金融服务公司。

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Multi-Language Enterprise Apps

Bilingual and multilingual business systems for APAC companies operating across Indonesia, Taiwan, Singapore, and beyond — built for both operational staff and end users.

面向跨印尼、台湾、新加坡等地运营的亚太企业，构建双语/多语业务系统，同时服务运营人员与终端用户。

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Running a Lending Business That Needs More Than a Spreadsheet?

贷款业务已超出电子表格的管理能力？

We design and develop complete loan management systems — borrower onboarding, contract workflows, collection tracking, commission management, and financial reporting — tailored to your operation.

我们设计并开发完整的贷款管理系统——借款人入驻、合同流程、回款追踪、佣金管理与财务报表，全面贴合您的业务需求。

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