Cliford CSC Project - Doc Chapter One To Five
Cliford CSC Project - Doc Chapter One To Five
INTRODUCTION
Financial institutions offer loan services to small organizations individuals and this
was initiated after a number of considerations on the banking system. This project
rejecting or approving loan request using credit risk and evaluation models and
know about loan sanctioning and lending procedure among banks across the globe.
It also attempts to use the credit risk and evaluation models to develop a strict
accomplish the new tasks. By the time the system is fully implemented, it will be
able to understand, think, and be fully equipped to handle today’s and also for
significant question for banks and their regulators is assessing the accuracy of a
model’s forecasts of credit misfortunes and losses, particularly given the small
number of accessible forecasts and estimates due to their typically long planning
horizons. Utilizing the credit risk and evaluation, we propose evaluation techniques
for credit risk models based on cross sectional dependent. In particular, models are
evaluated and accessed not only on their estimates over time, but also on their
forecasts at a given period in time for simulated credit portfolios. Once the
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estimates corresponding to these portfolios are generated, they can be evaluated
using various statistical methods. This project when implemented will provide a
smooth channel for processing of Loans in financial institutions across the country.
The proposed system upon completion will replace the manual loan application
process and automates the loan process from both, the banks as well as the
customers’. Customer can now apply for loans seamlessly without having to visit
the banks and if approved customers can track their loan details from the comfort
of their homes. The loan management system with credit risk and evaluation
models is a very efficient process to handle all loan related transaction in a very
accurate and convenient way. The Credit Risk becomes important to implement in
to apply for a loan using a digital channel through the internet, the system check
for possible bankruptcy prediction, credit risk estimation to track the status from
time-to-time. This system provides detail about the customers’ financial status over
a period of time, their loan details, risk estimation and possible bankruptcy
may take weeks or even months for loans application to get reviewed, before
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getting approvals and people have to visit the financial office for documentation
Currently, most financial institutions do not have any automated system to help
manage the data of customers applying for Loans, Grants and Investments with
credit risk evaluation. They have to rely on manual procedures which are time
consuming and don’t calculate the credit risk evaluation in case of bankruptcy.
This manual procedure doesn’t maintain customer records with proper security and
can’t track details easily. It doesn’t allow the customer to check their loan request,
submit bank account statement if need be. The Existing manual procedure isn’t
details and maintenance of all the loan details so it involves lots of paperwork.
The aim of this study is to develop a computerized loan management system for
controlling loan request using credit and evaluation models that will perform the
following:
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ii. To develop a secured database for users personal information and
verification
iii. To monitor users verification payment plan and authenticate IP for easy
iv. To develop a tracking system for users to navigate and monitor activities for
the platform
One of the major reasons for embarking on this project is to facilitate the ease of
transfer of loan through XML web service, HTTP protocol and SMTP gateway for
employed due to the simplicity in their application and implementation and a very
stable security feature. Data processing is very fast due to the protocols
while using a text based protocol (XML) make data smooth and platform
independent such that can be consumed by any solution that support the protocol,
also ease the installation and development procedure. SMTP is a great asset in the
whole enterprise because it enables access to SMS gateway with ease and cost
effective.
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1.5 Scope of the Study
This project is fully and working banking solution/application or software that has
the capability to create account for new customers, it holds daily transaction.
Banks can generate ledger, account statement, balance sheet. But the important
part of the project is the loan management module. Loan management module is
the module that creates account or generates account number and monitors the
activities of the bank. Being an online remote area, the loan module takes care of
The features are possible due to the enterprise level or nature of the solution. The
enterprise nature is due to the tools employed such as MS Access database which
language) process; the deployment server is apache which is the fastest, secure,
robust enterprise ready server and an open source solution. Being an open source
1.6 Limitation
a) The SMS technology (like email) does not guarantee set or guaranteed
lost.
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b) The cost of the message is transferred to the server, is based on the number
Loan: money that an organization such as bank lends and somebody borrows.
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CHAPTER TWO
LITERATURE REVIEW
services such as ASPEN 360 that are offered over the WWW and use a web
browser to access them. For web based application, the correctness of services
provided by the every component was the majority significant thing and the
integrality and consistency guarantee the complete system to work suitably. The
current WBA consider tranquil in their fast inflating phase, therefore the researches
are looking web based software development, web based software maintenance,
and web based software (application) testing and other WBA implement real world
The world wide web started in 1990 at the counsel European pour le Recherché
Nuclear (CERN) in Switzerland’s in that time the laboratory was facing difficulties
while they are sending important documents and graphics via the internet therefore
they were needed something better than simple file transfer. Tim Bemers-lee was
working in CERN when he developed the World Wide Web portion of the internet
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connection of computers worldwide whose hosts serve and transit data among
computer users.
Casals (2015) defined the web application as a software application that will
deliver its functionality to a user from a web sewer, through a network such as the
connected web pages managed as a single entity, a web site, on the other hand, will
contain one or more that will result from different contracts with the customer
the completion of one more task (Baxley, 2017). The software and database exit on
a central sewer rather than being installed on the desktop system is accessed over a
network .web-based application are the ultimate way to take advantage of today’s
borrower to make a loan usually at a stated interest rate within a given period of
time for a given purpose, subject to the compliance of the borrower to stated
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obtain a loan. Most commonly used to mean some security in addition to the
personal obligation of the borrower to repay a loan. There are two kinds of loans
that the groups are getting. First is agricultural loan and second is term loan.
money, granting credit (by means of overdraft, loan) and other transactions such as
foreign exchange, discount of bills, etc. Loans are one of the transactions being
done in the bank which is a type of debt. Similar to all debt instruments, a loan
includes redistribution of financial assets over time, between the borrower and the
lender. The lender initially lends an amount of money to the borrower initially,
which the borrower has to pay back to him, usually but not in regular installments.
debt. To pay off the loan, a fixed amount (for paying off and interest together) is
paid periodically. A system that manages this whole system is called loan
operation, with the environment at fast pace as it has the ability to retrieve, store
and analyze data at tremendous speed at low cost. This development is viewed as
an opportunity to control the data processing and increase the influence of the
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organization. Some organizations have their businesses totally dependent on the
accurate computer operations. Thus, in the area of loan and advances, the banking
to the economic development in large measures. Loans are readily given to people
who have an account (mostly current account). Apart from being a customer, there
are other conditions that necessary to be fulfilled for giving an individual a loan.
Such conditions may include: having at least one guarantor, provision of collateral
security and filling the bank loan management form. Thus, the role of a loan
growth in turnover of LAPO MFB in Benin found that the lending institutions were
performing poorly as a result of poor lending practices. Poor lending practices like
luck of due diligence during loan appraisal contribute to poor loan performance
hence high default rate which influence financial performance negatively Godwin
financial institutions should focus more on individual loans product and services;
employees training be enhanced; and good governance be instituted to set pace for
the financial performance since it was of paramount important for the growth of
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the institution. The study failed to expound on how individual loan products
SACCOs in Nigeria.
SACCOs in Kiambu County found that loans were granted from mobilized funds
and failure to repay could bring down the financial institutions as they only
depended on these funds as the only source of fund hence loan agreement, was
very crucial to reduce risks associated. Best practices required that loans were
stipulated in the loan agreement. The outstanding loan balance was considered past
due after one failed to meet one repayment obligation. To control delinquency,
immediate action should be taken first to assist first truck and the loan that was
reported past due. Loan provisions were on the first line to defend and protect
members’ savings against identified risks of losses to the SACCO. The Sacco must
look for other measures to enforce repayment of the outstanding loan before
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personnel in the SACCOs; poor internal control systems, insufficient funds for
the credit policy. The research recommended that SACCOs should source and
mobilize more funds for lending through aggressive mobilization from members
and external borrowing and allocate these funds to investment with high returns;
attractive loan products to satisfy members needs and also harmonize interest rates;
encourage team work with well-defined boundaries; provide education and training
responsibility. The research did not explain how credit administration would
performance of Bank of Kigali found out that there was correlation between loan
management and financial performance. The study found out that the loans were
well managed, because all indicators considered at that level shown that the
there was professional training organized in order to keep them up to date, they are
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recognized being independent in loan review, lending procedures and guidelines
Ajiambo (2013) investigated the way and level in which loan policy correlated
with financial of these institutions. The study recommended that SACCOs should
frequently review and update their credit policies to enhance proper evaluation of
loan applications and ensure that loan applications are appraised and ranked
according to merit.
Ajiambo (2013) study also recommended that SACCOs to ensure timely loan
cover bad debts and safeguard SACCO funds and ensure proper recording loan
review legal framework for the SACCOs to ensure sound loan policies are put in
performance of SACCOs in Mount Kenya Region. The study established that there
was need for the SACCO`s regulator to enforce the use of a standard set credit
policy to mitigate the level of credit risk associated with credit exposure among the
SACCOs in the sector and reduce guarantors exposure to these credit risks. Since
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the guarantors bears the burden of repaying the loan after the borrower defaults to
pay other forms of loan security like collateral should be introduced to shift the full
loan burden to the borrower and reduce the risk attached to guarantors.
study established that commercial bank loans did not affect Sacco’s business since
the paired test established a p value of 0.004 h. This can also be reflected by
increased year after the other. It was further established that the competition
between banks and SACCOs benefited members due to reduced interest rates in a
view of maintaining and remaining is business and retaining market share. This
was reflected in the results as was indicated where 51% agreed that it was now
easier to obtain loans from SACCOs. However it was reported that 60% of the
respondents were affected by the pro rata requirements set by the SACCOs.
Following these findings, the study called on the government to intervene and form
an act that could protect the SACCOs an offer equal opportunity to financial
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2.9 Loan Security Management
SACCO’s internal control system and the internal audit department needed to be
emerged that prudent projects were in forefront whenever better returns were to be
achieved in the organizations. It was also found that in order to cup defaulting in
the loans there was need to introduce collateral securities to enhance loan recovery
Kuje, kaduna where he found that there existed a strong positive relationship
between loan default and financial performance of SACCOs. Mutua, (2016) also
found that there was positive relationship between loan policy in mitigation of
risks and loan portfolio performance of SACCOs and there was still a strong
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performance of SACCOs. The study recommended improvement in internal
review of loan policy to realize current trends. It also recommended on the limit of
the borrower`s age to mitigate the risks associated in lending practices. Meanwhile,
the Role of Co-operative Loans in Rural Finance: Evidence from LAPO NGO co-
operative society Delta State, Nigeria. This project examines how computerizing
the loan disbursement process made by co-operative societies in rural areas would
meet the financial needs of their members both far and near and, by extension, the
role of the cooperative lending in rural finance. The study makes use of primary
data from three focus group discussions comprising forty two members selected
randomly from three co-operatives in two local government areas. Data was
The study found that the financial needs of the members were met through loan
granting at reduced interest rates without the pledging of fixed and financial assets
as collateral but was also faulty as a result of poor documentation and record
keeping for references purpose. The low interest rate on loans reduces the
trouble and reducing their individual poverty level. However, there may be need
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for emergency loans that can be repaid over a short period of time to ease the
financial burden of the members and enhance social and financial capital.
Ideally, any cooperation society would basically draw her income from
membership registration fee and routine saving contribution of the members over
the months. This savings are separated into project and ordinary savings. The
ordinary savings which is a fixed amount is mandatory for every member and it is
contributions are however traded with through giving of loans and stocking goods
so as to enhance the financial income of the society and from whence they
The idea behind embarking on this task is to solve the problems associated with the
errors in recording the data containing every transaction being made by the
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ii. Data insecurity: In the old system due to the fact that the data is being
because there can easily be a break-in in the offices where the files are
located.
iii. Inaccurate record: In the old system because the present saving scheme is
iv. Difficulty in data retrieval and modification: Due to the presence of bulky
files in the old manual system, data retrieval about a particular member’s
v. Lack of data integrity: Presence of bulky files in this old system can lead
file more difficult and time consuming to do just the arrangement to achieve
this.
Every data both texts and images required for input into this system must be
properly formatted. System Analysis and data preparation in this context means
manipulation of system information and data into a form suitable for further
analysis and processing. It is a process that involves many different tasks and
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which cannot be fully automated. Many of the system analysis activities and
routine are tedious, and time consuming .It has been estimated that system analysis
accounts for 60% to 80% of the time spent on a data mining project. System
analysis is essential for successful proposed system design. Poor quality data
typically result in incorrect and unreliable data mining results. In preparation of the
data used in this project, it is done so that in the course of analyzing system from
and easier. All data used in the course of this project are data that deals with
making them know the kind of data that is needed while using the new system.
They will be told where to input numeric values and where to input alphanumeric
values and so on. The users are also told the necessary information needed of them
whenever they come for transaction. If after preparing the data, and the users are
The new system is expected to solve the problems of the old system. The
ii. To reduce redundancy in information captured from the members for the
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iii. To protect member's privacy concerns.
authors used Java as the programming language and MySQL for building the
database. The approach used in the study was to develop a solution that can be
used for cooperative society registration. Thus, this solution can assist the
Onyeama et al. (2017) developed a system that essentially manages both shortterm
and long-term loans, and keeps track of cash inflow and outflow of a cooperative
society among others. The proposed solution made us of SQL Server database
architecture at the back end with PHP, CSS and HTML at the front end. The
authors argued that interactions with operators and stakeholders and through
Moreover, Yusuff, et al. (2015) carried out a study that investigated and appraised
the use of ICT for managing cooperative societies. The authors used some selected
tertiary institutions in Osun State for the appraisal. The work did not involve the
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development of a Cooperative Management Solution for the societies selected.
Yebisi (2014) suggested various approaches through which the legal framework of
Nigerian Co-operative Societies Act, 2004 can be fully realized. The author
suggested how the wheel could be reinvented in order to make the principal
areas meet the financial needs of their members and, by extension, the role of the
co-operative lending in rural finance. The study made use of primary data from
from twelve co-operatives in six local government areas. Data was analyzed using
participants. The study did not promote the development and deployment of ICT-
Mbam et al. (2013) developed a cooperative management system that can aid a
cooperative society on loan management. The authors argued that the system
essentially manages both short-term and long-term loans, and keeps track of cash
inflow and outflow of a cooperative society among others. Authors used SQL
Server database architecture at the back end and Visual Basic.Net framework at the
front end. They argued that such approach makes the proposed solution to be
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highly interactive. However, it was observed the work failed to identify a case
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CHAPTER THREE
3.1 Introduction
In this chapter we will describe the method involved in the design of the system.
We will also analyze the present system, its inputs processing and outs. After
which we will give the modules involved in the design of the new system,
Bank Plc has played a good a good and reliable role in the bank but has been seen
a long run activity due to the large amount of files and forms to be filled and
registration and processing of loans. But due to the high increase in technology
would be used to address the need for a robust, automated, and user-friendly
solution, this system aims to revolutionize the loan management process and
contribute to the success of the KUDA Bank while providing borrowers with a
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3.3 Method of data collection
This project was carried out by employing many methods involving the
computerized loan management system and bank loans administration. Several oral
interviews were mad with different sectors especially the staff and management of
Diamond bank in Owerri, invent computer Nigeria limited and federal banking
systems were also consulted. These researches include internet research, text books
In addition, the study of the existing system of loans management was carried out
and drawbacks such as time wastage, queue, data insecurity and efficiency, too
much of paper brainwork were identified, which was the need for this project. The
project was designed and coded with MVC (HTML, CSS, JAVASCRIT),
A modern loan management system should automate various processes like loan
lacks automation, it might hinder efficiency and customer satisfaction. The system
improve efficient decision making and reporting. Also the system structure and its
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customer experience, data security, and regulatory compliance. It's important to
consider these aspects while planning any upgrades or replacements to the existing
system.
Organizational chart
Board of directors
Bank managers
Banking officers
Computer Messenger
operator
Clerk
Drive
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3.5 Research methodology
components such as phases, tasks, methods, techniques and tools. It can be defined
also as follows:
discipline. The systematic study of methods that are, can be, or have been applied
within a discipline.
The branch of logic that deals with the general principles of the formation of
knowledge.
The adopted methodology in the proposed system is the structure system and
participants in a project for each stage, SSADM set out a series of techniques and
Materials/Tools
Html (hypertext markup language): this is a mark-up language used to create the
basis of the software. It is said to be the skeleton of the software. This also gives
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CSS (cascading style sheet): This is a style sheet used to create attractive web
designs colors, images and fonts to improve the appearance of the system.
collect all conditions and arguments from the programmer, collects data, inputs and
(MySQL).: this is the relational database of the system used to accept inputs from
the user, processes arguments and displays its equivalent out on the screen
XAMPP: this stands for ‘cross platform(x), Apache, MySql and Php’ is a free and
Apache Friends, consisting mainly of the Apache HTTP Server, MySQL database,
and interpreters for scripts written in the PHP and Perl programming languages.
facebook. It is used for developing interactive user interfaces and web applications
quickly and efficiently with significantly less code than you would with other
scripting languages.
will be useful to the organization. The main objective of the feasibility study is to
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test the Technical, Operational and Economical feasibility for adding new modules
and debugging old running system. All system is feasible if they are unlimited
resources and infinite time. There are aspects in the feasibility study portion of the
preliminary investigation: ·
Technical Feasibility ·
Operational Feasibility ·
Economic Feasibility
The technical issue usually raised during the feasibility stage of the investigation
Do the proposed equipment’s have the technical capacity to hold the data
data security?
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Earlier no system existed to cater to the needs of ‘Secure Infrastructure
a web based user interface for audit workflow at NIC-CSD. Thus it provides an
easy access to the users. The database’s purpose is to create, establish and maintain
a workflow among various entities in order to facilitate all concerned users in their
various capacities or roles. Permission to the users would be granted based on the
reliability and security. The software and hard requirements for the development of
this project are not many and are already available in-house at NIC or are available
as free as open source. The work for the project is done with the current equipment
and existing software technology. Necessary bandwidth exists for providing a fast
feedback to the users irrespective of the number of users using the system.
Proposed projects are beneficial only if they can be turned out into information
feasibility aspects of the project are to be taken as an important part of the project
implementation. Some of the important issues raised are to test the operational
the management from the users? · Will the system be used and work properly
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if it is being developed and implemented? · Will there be any resistance from
Beforehand, the management issues and user requirements have been taken into
The well-planned design would ensure the optimal utilization of the computer
A system can be developed technically and that will be used if installed must still
development cost in creating the system is evaluated against the ultimate benefit
derived from the new systems. Financial benefits must equal or exceed the costs.
The system is economically feasible. It does not require any addition hardware or
software. Since the interface for this system is developed using the existing
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3.7 Justification of the new system
dedicated user friendly software for managing loans to the various customers.
The software tools employed in this application developed are VB, MS Access
database, which is the fastest web server. This implementation of banking solution
will lead to a reliable fast and user appealing solution robust enough to meet the
enterprise need.
3.8 Modularity
Several modules that work inter-related manner are used to achieve the final
The modules that make up of a loan management system are enumerated below
b) Account module
g) System configuration.
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a. UserAuthentication module: the user authentication module is
because before the user gain accesses to the application he/she will be
d. Bank charges module: this is the entity that housed all the
This module can stand alone but solely depend on bank accounts
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because each and every charge will be attached to different account so
user, editing the creation user profile, it is also extended to delete the
existing user from the bank database, its capability is also extended to
assign roles and privileges to the software user and it can only be
The system specification includes the logical and physical aspect of the loan
The application is designed in such a way that it gets input about the user directly
from the keyboard. The input requirement form is user statistics, Account Number,
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Account type, active, password. This information will be required before a loan
3.9.2Output specification
The output as any other system will be result of the processing done on the input.
The out form includes Account Number, Balance Loan status, and Account type.
This converts the design and the implementation of web forms or input forms
where the system accept input from the user and also a report shows the processed
Due to web base nature of the entire application the solution database layer is
accede by the application through secured server layer (SSL) which is designed
consideration taken is the use of web service for data access across the network so
as to reduce the effect of viruses, Trojan and other malicious users like system
hacker, because service seed the client with text based data not binaries, the
elimination of data, high make it not possible for any executable files or folder to
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3.12 Overview of the proposed system flowchart
Request mode
Loan request
Account transaction
history
Bank account
Invalid request if request meet credited
The chart above represent a request for loan, after a request has been made, the
loan processing engine, analyzes the person’s account to check if the person is on
loan, if the account is on loan the loan request will be terminated else it goes
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further to check the transaction history of the account, if all the parameters are
Since the loan is not a physical entity the account will be credited with the request
Payment mode
Start payment
Credit loan
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From the chart above the engine put all account in array checks their status if the
2) The loan account will be retrieved, the amount borrowed, rate and time will
3) If the account balance is greater than monthly reduction fees, the account
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CHAPTER FOUR
4.1 Introduction
make correction if there are errors. The testing of a newly developed system is an
lower levels of program module until the entire program is tested as a unit.
operating system, or other software that is a standard for the development and
operation of computerized device such as personal digital assistance and cell phone
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Main server Data centre sever Backup/storage
Main server: The main server is the computer that supply services to other machine
on a local area network (LAN) or a wide area network (WAN) such as the internet.
The server run the administrative software that manages user privilege and access
control. The main server is also powered with software like Apache web server
HTTP request and also responding inform of data such as file, multimedia
Ram: 4.00gigabyte
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USB Port: The USB 2.0 with minimum of six ports.
DVD Rom/writer
Data centre server: data server is the machine that is housing the main database of
the loan management system. The database server is a network relational database
such as MS Access, this capability enable the main server to communicate with the
data centre server through Visual Basic with the help of a very secure interface
The data centre server powered the main database which is MS Access database
for easy accessibility and deployment and it is easy to follow rules of Intel
architecture.
Back up server: The backup is responsible for the business of continuity of the
The backup is responsible for maintaining the duplicate copy of the data on the
data centre server, for data recovery during hardware error, system crash or any
physical disaster.
The data base server automatically communicates with the backup copies of data
files, maintaining both the current version and preceding version on disk.
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4.2 Software platform
Operating system: the operating system is the basic software that controls a
Computer memory
Printer
Disk
Keyboard
Mouse
Monitor
It organizes files on variety of storage media such as floppy disk, hard drive
The recommended operating system for this project is windows operating system.
They are recommended because of the support virtualization, multi- tasking and
they are also network operating system and very user friendly.
database management system. The program runs as a server providing multi user
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MYSQ (My Sequential Querry Language) is often been used in the enterprise
software project which require a full featured database management system. It also
used a very such a time that the new system. It also used a scale world wide web
product.
written in a language the computer central processing unit that can read and
interprets I.I.S servers as a computer. ASP is a write code and interpreted with
background.
After the software has been deployed on the server, the dummy account was
so on are submitted to the main server, the respond time was 5 seconds to complete
a single transaction. The different in speed was due to ASP server used by
Diamond. At the transaction point for an example loan creation module, deposit
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the interest rate of 25% with period of 30 days; the following statistical data was
KEYING OF LOAN
(KEYBOARD) DATA BASE FILE
(DISK)
Processing of data
( CPU)
FROM KEYBOARD
(VDU)
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4.4 Program flowchart
Start
Is account Terminate
on loan?
YES
Is Terminate
transaction
parameter
meet
NO
Open loan
account
NO
Credit account
END
YES
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Loan Repayment Flowchart
Start
Is
Terminate
account
on loan?
NO
Compute monthly
repayment fees
Is account
Terminate
balance
greater than
monthly
repayment?
Stop
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4.5 System maintenance
System maintenance ensures that the system runs promptly by eliminating the
file corruption.
failure.
Hardware requirement
megabyte of ram.
Internet Access
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Router
Printer
UPS
Stabilizer
SOFTWARE REQURIMENT
Dual Approach
This method requires that the existing system gradually put in place. It is more
INVENTORY APPROACH
This method requires a computer, on time change – over from the existing
system to the new system. It can also be said to be an end to the old system
immediately.
PARARREL APPROACH
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This method requires the simultaneous operation of both the existing and the
new system until such a time that the new system is actually producing result.
Pilot Approach
This method requires that a small portion of the new system be implemented
and evaluated (by any of the pre- defined change- over approaches) while the
major portion of the work load continues to be processed via the existing
The best change over approach for the proposed system for its effective use is
a parallel “approach” Reason being that the new system need proper
familiarization by user and it is likely that they do not know much about
computer system.
4.8 Documentation
the new system. It is outlines the techniques and methods used to correct
the system analysis and system user in particular easier. It will also make
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development of a new system easier and quicker since the documentation
standard would give lines to be followed by the developer. The content of the
chart.
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CHAPTER FIVE
5.1 Summary
The flex cube used by the KUDA bank is cumbersome and not user friendly with
very low execution time. The modularization of the whole application gives easy
usability and fast access time which also leads to increase in the throughput of the
entire solution. The loan module is highly optimized to manage the loan effectively
and easy of generating loan report that can be exported to any document format.
The security gap is well bridged so as to reduce the security loop of the existing
(SSL), that generate fight secure and encrypting algorithm. The advantages of
computerized loan management system over the manual system can never be
5.2 Conclusion
Flex cube is the present system used by Diamond bank and it has been serving, but
not quite well designed because of the throughput, sometimes you go to banking
arena, there will be large queue or crowed this is due to the software performance
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is very slow execution and high downtime. The design of the software is one thing
Adequate care should be taken by both staff and management to ensure that the
Computer promotes every area of human endeavor. Its impact in computer based
saying, long live computer, long live computer scientists and long live computer
programmers.
5.3Recommendation
business transaction or the other. That they continue to fulfill their motives by
I recommend that this project work be examined by the Diamond bank and put the
research into practical work. Also the application found in this project is being
Thus, there are still features, which could be added to the software. These
constitute area of futures development for student who intends to work on same
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REFERENCES
Adedayo A, Yusuf O.R (2013). Cooperatives and Poverty Alleviation in Rural
Settlements of Kwara State, Nigeria. Global Journal of Engineering, Design
and Technology; 19(2): 123-131.
ASUP SICHST (2015). The Bye Law of ASUP SICHST Cooperative Society
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