p–ISSN: 2723 - 6609 e-ISSN: 2745-5254
Vol. 5, No. 4 April 2024 http://jist.publikasiindonesia.id/
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1709
Online Guarantee System With Soma Methods
Fauzan Akbar Rosyadi
1*
, Ahmad Nurul Fajar
2
Universitas Bina Nusantara Jakarta, Indonesia
Email: [email protected]
1*
2
*Correspondence
ABSTRACT
Keywords:
Online Guarantee; KUR;
SOA; SOAP; SOMA.
Web service-based applications are applications that use
Restful to exchange data over the network and interact
directly with other applications. One of the advantages of
web service-based applications is that many applications can
access services on different platforms. This is very
beneficial in the business sector if a company or
organization builds applications on a large scale, and
application development is carried out in stages. With the
characteristics of web service-based applications, namely a
neutral platform, it is very easy to integrate systems when
the development process is carried out in stages. Therefore,
this research will design a web service-based application
based on business processes, especially Kredit Usaha Rakyat
(KUR) between PT ABC Credit Guarantee Company and PT
Bank XYZ. The methods used are Thomas Erl's SOA
methods and SOMA. The results obtained are a method that
will be a guide for producing web service-based KUR
Online Guarantee applications with PT Bank XYZ.
Introduction
Along with the development of information technology, data processing to produce
information is very important for companies to compete with other companies (Febriana,
2014). Because information technology really helps business processes be managed
properly (Darmawan & Wijaya, 2022). The application of information systems is very
useful for managing, monitoring, and integrating all business processes. The existence of
information systems can increase time efficiency and increase productivity in companies
(Siregar & Nasution, 2020).
In order to produce the web services that are needed, a service identification process
must be carried out to translate business requirements into web service-based applications
(Lumbangaol, 2020). Services are the result of transforming business capability
modeling, which, in turn, results in service modeling being realized through technology
modeling (Irawan, 2016). Many methods can be used to develop applications, especially
those based on web services, such as Thomas Erl's SOA method and Service Oriented
Modeling and Architecture (SOMA), to adapt to this situation (Firman, Wowor, &
Najoan, 2016).
Fauzan Akbar Rosyadi, Ahmad Nurul Fajar
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1710
This research will discuss the web service-based application method to be
implemented in PT Bank XYZ's Kredit Usaha Rakyat (KUR) online guarantee. By
formulating the problem, there are many miscalculations in the credit guarantee
application process caused by input errors that are not in accordance with the provisions
and errors in the claim decision process, which result in losses to both companies
(Loconto & Hatanaka, 2018). Thus, this research aims to design the SOA method Thomas
Erl and SOMA, then apply it to kur online guarantee based on business processes that are
running and regulated (Sedeng, Pangemanan, & Andaki, 2022).
Theoretical Foundation
Many methods can be used to build service-based systems, namely methods SOA
Thomas Erl, Service Oriented Modeling and Architecture (SOMA), Papazoglou, Service
Oriented Architecture framework (SOAF), and Service-oriented Unified Process
(SOUP). The development of this application will use 2 (two) of several existing methods,
which will then be modified to produce a method that will guide the development of web
service-based applications. The methods to be modified are Thomas Erl's SOA and
SOMA.
Thomas Erl’s SOA Method
SOA High-level analysis (Erl) is shown in the figure below :
Figure 1. Thomas Erl’s SOA Mehod
Metode Service Oriented Modeling and Architecture (SOMA)
The SOMA method is one of the software development lifecycles for finding
solutions with service-based concepts. SOMA at fractal model consists of 7 stages to
identify services, namely:
Figure 2. SOMA Fractal Model
Online Guarantee System With Soma Methods
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1711
Modified SOA Thomas Erl dan SOMA Method
Based on the two methods above, the modified SOA Thomas Erl and SOMA
methods are produced. This method consists of 5 (five) main phases, namely, business
model, service-oriented analysis, service-oriented design, implementation and
deployment.
Figure 3. Modified SOA Thomas Erl dan SOMA
Previous research
Research Methods
Based on Figure 3, this modified method consists of 5 (five) main phases, namely,
business model, service-oriented analysis, service-oriented design, implementation and
deployment. These phases can be described as follows: Berdasarkan gambar 3 metode
The result of this modification consists of 5 (five) main phases, namely, business model,
service-oriented analysis, service-oriented design, implementation and deployment.:
Business model
activities in this phase are:
a. The company's high-level business process needs to be analyzed
b. Align relevant Business processes focus on the corporate main activity. The main
business activities obtained will then be analyzed to determine the candidate service
Service-oriented analysis
activities in this phase are:
a. Identifying an existing automation system is identifying if there is already an
automated system so that the logic can be used or updated to be an encapsulated
service.
b. which will produce the final service candidate, which at this stage still consists of sub-
processes in, are:
Decompose business process
a. Create service candidate
b. Candidate service akhir
c. Identify service operation.
Service-oriented design
Activities in this phase are designing the final candidate service resulting from the
analysis phase so as to produce a design that will be the basis for the next stage of
implementation. This phase consists of several activities, are :
Fauzan Akbar Rosyadi, Ahmad Nurul Fajar
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1712
a. Choosing service layer.
b. Design business process.
c. Domain model.
Deployment
Activity in this phase is:
a. User acceptance test (UAT).
b. Evaluation to determine user satisfaction with the system using a particular approach
to measure user satisfaction.
Results and Discussion
Business Model
The Government of Indonesia has a high spirit to encourage cooperatives and
MSMEs as part of the pillars of the national economy. Therefore, the Government of
Indonesia established PT ABC Guarantee Company to provide guarantees for MSMEs
and cooperatives. In addition, PT ABC also provides guarantees for SOEs, Warehouse
Receipt System Guarantees, and other Guarantees (Marlinah, 2019).
Based on UU no.1 Tahun 2016 about Penjaminan and POJK Nomor
1/POJK.05/2017, Credit Guarantee business activities provided by PT ABC are the
activity of providing guarantees for the fulfillment of the Credit Recipient’s financial
obligations (Guaranteed) to the Guarantee Recipient. The Credit Guarantee Process
involves at least 3 (three) parties, namely the credit-giving business entity called the
Guarantee Receiver, the credit debtor called the Guaranteed, and the Credit Guarantee
Company called the Guarantor (Budiarto et al., 2018).
The basic principle of a credit guarantee is the takeover of the risk of the
guaranteed’s failure to fulfill its financial obligations to the recipient of the guarantee.
Still, it does not eliminate guaranteed financial obligations to the Recipient of the
Guarantee until the Recipient of the Guarantee states the Guaranteed Credit is paid off.
Credit Guarantee is required by the Guarantee Receiver when the loan application
from Guaranteed is declared feasible by the Guarantee Receiver but has not met the
banking credit administration requirements, especially in terms of unbankable fulfillment
of collateral. With the guarantee services provided, Jamkrindo is expected to strengthen
the national economy, especially for strengthening the economy in MSME and
cooperative sectors.
Figure 4. Figure 1 Guarantee parties
Online Guarantee System With Soma Methods
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1713
The company’s value creation is optimizing its reputation and trusted image as a
member of SOE’s Holding in Insurance and Guarantee to establish a brand preference in
the eyes of customers.
Service Oriented Analysis Phase
The process in this phase is to determine service candidates, which are then revised
so as to produce the final service candidate. The final stage is determining the service
operation that will be built later.
1. Identify Guarantee of People’s Business Credit(KUR) automation system
2. The activity for KUR’s Guarantee mostly that have not used an automated system
Model Candidate Service
The Main Business process is divided into subprocesses:
a. Credit Guarantee Submission
This process is where the Company receives an application for credit guarantee from PT
Bank XYZ for the guarantee process as one of the conditions for credit approval.
Figure 5. Credit Guarantee Submission Process
b. Guarantee Fee
This process is where the guarantor gives the guarantee recipient a guarantee
certificate after PT Bank ABC pays the guarantee fee.
Figure 6. Credit Guarantee Fee Process
c. Claim Submission
The next process is to guarantee that the recipient submits the claim because the
guarantee can’t fulfill credit obligations or provide bad credit.
Fauzan Akbar Rosyadi, Ahmad Nurul Fajar
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1714
Figure 7. Guarantee Claim Submission
d. Subrogation
Subrogation is a replacement of the position of the creditor by the guarantor in the
agreement as a result of claim payment made by the guarantor to the guarantee recipient.
Figure 8. Subrogation
Create service candidate
Service candidates based guarantee business process is shown in the table below
Table 1
service candidate
Service
Candidate
Service
Operation
Description
Guarantee
Submission
Add
Guarantee
Submission
Add new
data to
Calculate
Guarantee
Fee
Calculate
the
guarantee
fee based on
credit
information.
View
Guarantee
Submission
View
submission
info
Inquiry
Guarantee
Submission
Get
guarantee
submission
status info.
Online Guarantee System With Soma Methods
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1715
Update
Guarantee
Submission
Update
guaranteed
info
Guarantee
Fee
Add
Guarantee
Fee
Payment
Submission
add fee
payment
record
Generate
Guarantee
Certificate
Generate
Guarantee
Certificate
View
Guarantee
Fee
Payment
status.
View fee
payment
status
Claim
Submission
Add Claim
Submission
Add new
data
Inquiry
Claim
Submission
Get claim
status
Update
Claim
Submission
Update
claim
submission
data
View Claim
Submission
View all
submission
Subrogation
Add
Subrogation
Submission
Add new
data
Inquiry
Subrogation
submission
Get
subrogation
status
Update
Subrogation
submission
Update
subrogation
information
Calculate
Subrogation
Calculate
the total
subrogation
compared to
the claim
payment.
View
Subrogation
View all
submission
Fauzan Akbar Rosyadi, Ahmad Nurul Fajar
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1716
End Service Candidate
Refining service candidates to meet the nature of the service, namely reusable, so
as to produce service candidates' end. This is a list of final service candidates based on
revisions from service candidates. Shown table below.
Table 2
End service candidate
No
Service
Service
Operation
Description
1
Guarantee
Submission
Add
Add new data
View
View Data
Update
Update data
information
Inquiry
Get
Submission
status
Generate
Generate data
for guarantee
terms and
conditions
2
Guarantee
Fee
Calculate
Calculate
incoming data
3
Claim
Submission
4
Subrogation
Identify service operation
The next step is revising to service operation from the end service candidate.
Table 3
service operation
No
Service
Service Operation
1
Guarantee
Submission
add submission()
viewSubmission()
updateSubmission()
inquirySubmission()
generate()
2
Calculate()
Online Guarantee System With Soma Methods
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1717
Guarantee
Fee
3
Claim
Submission
4
Subrogation
Choosing service Layer
Based on the service candidate generated, the service layer, which consists of the
Orchestration Service Layer, Business Service Layer, and Application Service Layer, is
selected.
Figure 9 service layer
Identify Service Composition
Identify the service composition of the resulting final service and then place it in
the service layers. The following is the service layer based on the identification of service
composition.
Figure 10. Service Layer
Flowchart Diagram
The flowchart diagram will show how the process will be conducted and how the
actor
a. guarantee (Covering Validation, Covering Flag)
Fauzan Akbar Rosyadi, Ahmad Nurul Fajar
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1718
Figure 11 Guarantee submission and guarantee fee payment flow
b. Claim Submission
Figure 12. claim submission flow
c. Subrogation Submission
Online Guarantee System With Soma Methods
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1719
Figure 13. subrogation submission
d. Domain Model
The domain model is a conceptual model of a system that describes the relationship
between entities in the system.
Figure 14. Domain Model
Implementation Fase
This stage is the establishment of a web service that will be used and how to access
the web service by implementing an online guarantee based on service references.
Table 4
Service Name and URL
Web Service Name
Service URL
guarantee service
172.27.1.76:1717/BRISURF/
guarantee service/
guarantee repayment
172.27.1.76:1717/BRISURF/
guarantee repayment /
claim submission
172.27.1.76:1717/BRISURF/
claim submission/
Fauzan Akbar Rosyadi, Ahmad Nurul Fajar
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1720
subrogationSubmission
172.27.1.76:1717/BRISURF/
subrogationSubmission /
All web services use Rest API methods with post method. Example service request
and response on guaranteeSubmission.
Figure 15. Post-guarantee submission request
The response to the request above is shown below. It consists of fee value,
destination saving account, and remarks.
Figure 16 guarantees submission Response
The response consists of a remark, savings account and nominal fee. Next, the
guarantee recipient will send a request for the proof of fee guarantee payment as shown
in the figure below.
Online Guarantee System With Soma Methods
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1721
Responses for the request
Deployment Phase
To obtain the results of this test, the user fills out a test sheet according to the
function being tested. On the sheet, there are special characters to define the test results,
namely:
Table 5
service test
Service Name
Data
Test Result
P
S
F
guarantee submission
10
10
guarantee repayment
10
10
claim submission
3
3
subrogationSubmission
6
6
Conclusion
Based on the research conducted, several conclusions were obtained, among others.
Modified methods from Thomas Erl and SOMA can be used to build a web service-based
application. This matter was proven after being successfully implemented with the
development of web service-based applications for the management of sugarcane
plantations based on the identification results of all online business credit guarantee
activities between PT ABC Credit Guarantee and PT Bank XYZ. The advantage of web
service-based applications is that the system will be easy to develop and integrate with
new systems.
Fauzan Akbar Rosyadi, Ahmad Nurul Fajar
Indonesian Journal of Social Technology, Vol. 5, No. 4, April, 2024 1722
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