TKS-BPR is a multi-tenant SaaS platform designed for Indonesian rural and community banks (BPR) to manage their full governance, risk, and compliance (GRC) lifecycle in one integrated system covering risk profiling across six categories (Credit, Operational, Liquidity, Reputation, Strategic, and Compliance), 12-factor self-assessment for bank health reporting, internal audit tracking with findings and recommendations, compliance monitoring, and multi-step approval workflows for final governance reports, all supported by a management dashboard with KPI analytics. Built on .NET 10 and Blazor Server with strict multi-tenant data isolation, each bank operates in a fully separated environment, while subscription and billing are handled through the IPaymu payment gateway — making TKS-BPR a complete, commercially deployable SaaS solution for BPR regulatory compliance in Indonesia