<![CDATA[This study uses the method of Literature Studies is by collecting information from books and the internet that is useful for learning of the system to be created. Research methodology using descriptive qualitative method. The sample data used in this study, using customer data PT. BPR Mandiri Dhanasejahtera Madiun. The stages in this research are: collecting data, system planning, system making, which is continued by testing the system if all the system is finished. The applications used in building this system are gammu, AppServ and dreamweaver. Gammu is software used for modem connection with computer so it can be used to send sms or receive sms. AppSe rv is here used to manage databases that are useful for storing all existing data in the system. In this research produced a system that can help customers and AO staff to send confirmation message of installment payment and credit penalty.]]>
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