The document describes CONFINS, an integrated core multi finance system developed by AdIns for managing all aspects of financing operations. CONFINS consists of several modules for marketing, loan origination, disbursement, account maintenance, asset management, amendments, insurance, collections, recoveries and funding. It is a comprehensive, web-based system built on Microsoft .NET with robust engine modules. AdIns also offers professional services and additional products to support customers' business needs.

1. Grha Adicipta Jl. Kebon Jeruk Raya No.80
Jakarta 11530 Indonesia
Phone: +62-21-5367 3030
Fax : +62-21-536 0808
Further your company's success by managing
acquisition, optimizing resources, complying with
operation and financial reporting requirements,
capturing growth opportunities and streamlining
financial operations better than the competition –
with integrated Core Multi Finance system: CONFINS.
CONFINS system consists of several modules of
marketing, loan origination, disbursement and
finance operation, account maintenance, asset
document management, amendment, insurance,
collection management, recovery and funding.
CONFINS platform is built on the foundation of
engine modules, such as Supporting engine
module of which include: Approval Engine,
Journal Engine, Asynchronous Reporting Engine,
Rule Engine, Workflow, Batch Process Tools,
Notification Engine and the SLA Engine.
CONFINS also equipped with a delivery channel
in the form of an open API for collaboration with
other systems. Delivery channel is already set up
in the Web application itself, Mobile Application,
SMS Gateway, Smart Client, Rich Client,
Microsoft Office Application, Portal atc.
This web base application is developed using
Microsoft .Net Platform as a core system with N-
Tier design. N-Tier consist of Presentation tier,
Business tier and Data tier which each tier may
install in different server depend on size of
process, traffic and data.
Ensure your operation and financial compliance and growth with Integrated Core
Multi Finance system enabled by AdIns

2. A core system for financing company, such as
consumer finance, leasing and sharia. Collateral
assets that can be financed include car,
motorcycle, electronics, heavy equipment etc.
General Features
CONFINS support various financing business lines and
can handle Multi Assets on single agreement, Multi
Agreement for single Application, Multi-Currency, Multi
Suppliers, Document Printing System, Distributed
Account Payable Payment System to dealers through head
office or branch, Estimation Funding needs, Customer
Maintenance, Dealer Maintenance and Refund or
Subsidize handling.
CONFINS build based on a performance oriented, whereas
each process or chain of process can be monitor and
measured for its SLA. CONFINS compatible with Active
Directory which contains all user information such as
Login ID (User Name) and Password.
Product & Package Modules
First module for marketing team to create product or
sales package by setting up all related criteria for account
acquisition. It is also includes setting the Asset Scheme; a
tool to configure asset group and level base on asset type,
and package to be attached to supplier and specific asset.
1. MARKETING
In the customer acquisition process, marketing will need
a preliminary screening to see whether new applicants
can be process further. Several tools and features for
marketing purposes consist of Credit Simulation or Trial
Calculation, Prospect Data (Lead), Customer Duplicate
checking, Negative list check, Customer Exposure and
Group Customer Exposure.
2. LOAN ORIGINATION
Credit Management Module
The system provide some tools and features to manage
the credit, such as Document and Activity checklist
control that will guide credit administrator to check and
monitor documents and its content during credit process.
Credit Installment scheme that can be handled consist of:
Fixed, Balloon, Step Up and Down, Auto Split, Irregular,
Event Principal, Grace Period with/ without payment,
Floating, and Fixed rate.
Credit Scoring Module
This module contain Score Card (scoring component,
scoring component content, fatal score), Score Setting and
Score History. Credit score card able to attach to Product
or Package.
Survey Management Module
Module to manage object survey, survey decision, survey
allocation scheme, survey task assignment, survey review,
resurvey, and additional survey. This module may
integrated to ADI-Mobile Survey.
Credit Approval Module
This is a workflow module to route any credit application
or any relevant approval process that need to be done.
The Features includes: Approval Path, Approval
Hierarchy, Approval Limit and staging, Approval Decision,
Approval Alternate, Approval Discussion and
Communication, Appeal, Re-request, Take Back and
Deviation Checking (Financial Structure, Scoring,
Products, Document, etc.
3. DISBURSEMENT AND FINANCE
OPERATION
Disbursement Module
Module to manage 3rd parties payment, especially to
dealer. Finance staff may select Account Payable due, to
process disbursement through disbursement approval
workflow and execute. This module includes cheque or
giro maintenance for disbursement purposes.
Finance Operation (Petty Cash) Module
The daily operational cash payment in branch can be
managed by this module; such as petty cash and payment
request for cash advance.
4. ACCOUNT MAINTENANCE
Payment Receive Module
System provide complete features to manage payment
receive, such as Teller System (Cash & Bank
Transactions), Bank Reconciliation, Suspend Transactions
management, Inter Bank Transaction (Transfer Fund),
General Payment Receive and Disbursement, Waive fees
(Request, Approval) and Correction Transaction.
Online Payment Module
All transactions through bank or payment gateway, in
mode of host to host real time online or batch processing
is manage by this module.
PDC Module
Post Dated Cheque (PDC) as most common payment tool
after cash can be handled by this module. It manage PDC
custody by type; external (3rd party) or internal and
centralized or distributed custody. This module contains
features Registration, Deposit, Clearing, Bounce/reject,
Return, Hold, Request, Change location, In transit, Mutual
PDC, and Inkaso PDC. Any PDC can be used as a single
transaction payment or multi agreement payment.

3. 5. ASSET DOCUMENT MANAGEMENT
MODULES
To manage the documents collateral of the credit, system
provides features of Document overdue management,
Document Movement, Document Release Management,
Document Monitoring, Finished Loan Monitoring, Stock
and Filling System, Cross Default and Stock Take.
6. AMENDMENT MODULES
Any amendment to credit agreement will handle by this
module, through some features to change terms and
condition like Change Due Date, Rescheduling,
Restructuring, Asset Replacement, Agreement Transfer,
Partial/Full Early termination.
7. INSURANCE MODULES
Asset Insurance modules
Managing insurance of the assets to be financed has
anticipated comprehensively by system, through several
tools and features include Insurance Company
Registration, Insurance Coverage Request, Policy receive
and endorsement, Invoicing, Insurance Disbursement,
Insurance Endorsement on request, Renewal, Claim and
Termination.
Life insurance Modules
In some cases company intend to protect its receivable to
avoid any increase of default through life insurance of
customer. So this module is built to manage life insurance
of customer to cover their receivables.
8. COLLECTION MANAGEMENT SYSTEM
Collection Modules
Several collection features built in this system consist of
Overdue Warning Letter or Reminder Letter tool,
Parameterized Collector Profile, Desk Collection
(Collector activity plan, Collector action & result record),
Field Collection (Collector activity plan, Collector action &
result record), Bad Debt Collection, Supervisor
monitoring Tool, Collection History and Collector
Performance Monitoring System.
Pickup Payment
In case of a policy of pick up payment adopted by the
company, that will be managed through this module. Pick
up payment activities covered up some features such as
Assignment Scheme, scheduling, receipt printing and
Monitoring.
Repossession Modules
This repossession asset collateral module contain main
function of issuance of repossession letter, repossession
process and sale of asset repossessed and inventory.
9. RECOVERY MODULES
To handle some agreement that have written off, this
module will help to manage recovery payment receiving,
collection and also repossession.
10.FUNDING
Joint financing
Module to manage fund raising and Channeling or
Securitization. Fund raising based on Asset Sales Facility
consist of two options; Channeling or Joint Financing.
And Fund raising based on Loan Facility consist of Term
Loan and/or Bond. This module also provide features to
get Negative Covenant, Agreement Selection with Term
and Condition, Drawdown facility, Principal and Interest
Disbursement, Fees disbursement, Accrued Interest
Expenses, Un-Pledging and additional pledge, Early
Termination, Change Rate for Floating and Security
Coverage monitoring.
General Modules
General supporting module to the system includes Daily
Closing, Accrued Interest Income, Stop Accrue, Journal
Interface, off line Branch handling and Audit Trail.
Single System
An additional module to manage channeling or
securitization from bank or main lender or parent
company specifically whereas the banking report can be
generated directly from the system.
CONFINS’ Related Products
To support company operation completely, AdIns also
provide several supporting system that can be integrated
to CONFINS as follows:
 eGL System
 Advance Reporting System (data warehouse &
business intelligence)
 ADI-Mobile (Mobile Order, Mobile Survey,
Mobile Collection)
 ADI-Pay (switching- payment gateway)
 LiteDMS (Document Management System)
@2015 AdIns. All rights reserved. AdIns and CONFINS is a registered trademark of PT Adicipta Inovasi Teknologi.
All other product names and logos are trade and service marks of their respective companies.
All specifications are subject to change without notice. (11.2015)

4. A key success for
your business
Now is the time for you to drive for your business success
We also provide professional services, custom development, consulting services
or managed services to meet your growing business needs. Whether you are a
marketing manager, operation manager, compliance officer, treasurer, insurer,
risk manager, we can address your requirements.
AdIns, creator of CONFINS, is a market leader and provider of software systems
and solutions to the financial services industry, especially multi finance business.
The CONFINS is a powerful suite of financing solutions that have been used by
most respectable financing companies in Indonesia throughout the years.
Comprehensive and
Integrated end to end
system for financing
business.
Full web based and
parameterized to easy
access and to suite your
specific business needs.
Comply to PSAK, OJK and
other Indonesian
Government regulations
Supported by the robust
add-on integrated engine
modules
Utilize a delivery channel
in the form of an open
API for easy system
collaboration
Grha Adicipta
Jl. Kebon Jeruk Raya No.80,
Jakarta 11530
www.ad-ins.com
P: +62 21 5367 3030
F: +62 21 536 0808@ 2015 AdIns. All rights reserved. AdIns and CONFINS is a registered
trademark of PT Adicipta Inovasi Teknologi. All other product names and
logos are trade and service marks of their respective companies. All
specifications are subject to change without notice. (11.2015)