The Threadion Journal

Reconciliation and month-end close notes for Indonesian finance teams.

Editorial illustration: many small coins flowing untouched through a threshold gate while larger coins are trimmed slightly before entering a ledger.

QRIS MDR 0% in 2026: What It Changes for Reconciliation

Since 1 October 2026, QRIS MDR is 0% for payments up to Rp100,000. Here is how to compute the fee per payment so reconciliation stops showing false breaks.

21 Oct 2026 · 6 min read

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Reconciliation and month-end close notes for Indonesian finance teams.

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Regional Banking

BPR and BPD Reconciliation: Typical Failures and Fixes

21 Sept 2026 · 3 min read

Controls

A Reconciliation Audit Trail Without Fragile Spreadsheets

14 Sept 2026 · 3 min read

Exceptions

Reconciliation Breaks: Classify Them, Then Close Them

7 Sept 2026 · 3 min read

Data Normalisation

Indonesian Bank Statement Formats That Never Agree

31 Aug 2026 · 3 min read

Reconciliation

Why Manual Bank Reconciliation Always Breaks at Scale

26 Aug 2026 · 2 min read

Matching

One-to-Many Matching in Bank Reconciliation

24 Aug 2026 · 3 min read

Compliance

ICoFR Internal Control: What Auditors Actually Ask

17 Aug 2026 · 3 min read

Month-End Close

Why Monthly Close Slips, and Where Time Goes

10 Aug 2026 · 6 min read

Reconciliation Method

Three-Way Reconciliation: Bank, Ledger, Gateway

3 Aug 2026 · 6 min read