This page presents an excerpt of the available research material, including the Preliminary Pages, Table of Contents, Abstract, Chapters One to Five, and References. It provides a comprehensive overview of the study, enhancing readability and accessibility for students, and researchers seeking complete material on the topic stated above.
I am profoundly grateful to everyone who contributed to the successful completion of this project. I am especially grateful to my Supervisor (Name), the Head of Department (Name), and the Lecturers in the Department of Computer Science (CS) for their invaluable guidance and support. I also acknowledge the contributions of authors and scholars whose works on Design and Implementation of a Computerized Loan Management System for Rejecting Or Approving Loan Request using Credit Risk and Evaluation Models provided essential insights. Special thanks go to my study area (and any funding organizations, if applicable) for their financial assistance. I am equally thankful to stakeholders, including mentors, teachers, and colleagues, for their encouragement and support. Finally, I deeply appreciate my family and friends for their patience and unwavering support throughout this journey. Your contributions have been instrumental in making this research a reality.
PRELIMINARY PAGES
CHAPTER ONE
INTRODUCTION
- 1.1 Introduction
- 1.2 Background of Study
- 1.3 Statement of Problem
- 1.4 Aim and Objectives of the Study
- 1.5 Significance of the study
- 1.6 Scope of the Study
- 1.7 Limitations of the Study
- 1.8 Definition of Terms
- 1.9 Organization of the Research
CHAPTER TWO
LITERATURE REVIEW
- 2.1 Introduction
- 2.2 Conceptual Review of Loan Management
- 2.2.1 Personal loan
- 2.2.2 Unsecured Loans
- 2.2.3 Loan Demand
- 2.2.4 Subsidized Loan
- 2.2.5 Concessional Loan
- 2.2.6 Target markets Loan
- 2.3 Advantages and Disadvantages of a Loan
- 2.4 Types of Loan
- 2.5 Overview of Loan Lending
- 2.5.1 Benefits of Borrowing a Loan
- 2.5.2 Brief History of Lending
- 2.6 Theoretical Framework
- 2.6.1 Loan Application Process
- 2.6.1.1 Loan Application
- 2.6.2 Areas of Obtaining a Personal Loan
CHAPTER THREE
SYSTEM ANALYSIS AND DESIGN
- 3.1 Methodology Adopted
- 3.1.1 Process for Analysis for SSADM & SSADM Technique
- 3.2 Analysis of the Existing System
- 3.2.1 Diagram of the Existing System
- 3.2.2 Weakness of the existing System
- 3.3 Feasibility Study
- 3.3.1 Technical Feasibility
- 3.3.2 Operational Feasibility
- 3.3.3 Economic Feasibility
- 3.4 Analysis of the Proposed System
- 3.4.1 Data Flow Diagram of the Proposed System
- 3.4.2 Advantages of the Proposed System
- 3.4.3 Justification of the Proposed System
- 3.5 Functional Requirements
- 3.5.1 Use Case Diagram Of The Admin / User Privileges
- 3.6 Data Requirements
- 3.7 High Level Model of the Proposed System
CHAPTER FOUR
SYSTEM DESIGN AND IMPLEMENTATION
- 4.1 Objectives of the Design
- 4.2 Control Center / Overall Dataflow Diagram
- 4.3 The Submenus / Subsystems
- 4.4 System Specification
- 4.4.1 Database Design Specification
- 4.4.2 Input and Output Format
- 4.4.2 Algorithm
- 4.4.3 Data Dictionary
- 4.5 System Flow
- 4.6 System Implementation
- 4.6.1 Proposed System Requirement
- 4.6.1.1 Hardware Requirements
- 4.6.1.2 Software Requirements
- 4.6.2 Program Development
- 4.6.2.1 Choice of Programming Environment
- 4.6.3 System Testing
- 4.6.3.1 Test Plan
- 4.6.3.2 Test Data
- 4.6.3.3 Actual test Result Versus Expected Test Result
- 4.6.3.4 Performance Evaluation
- 4.6.3.5 Limitation of the System
- 4.6.4 System Security
- 4.6.5 Training
- 4.6.6 Documentation
- 4.6.7 System Conversion
- 4.6.7.1 Changeover Procedure
- 4.6.7.2 Recommended Procedure
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATIONS
- 5.1 Introduction
- 5.2 Summary
- 5.3 Conclusion
- 5.4 Recommendation
- 5.4.1 Application Areas
- 5.5.2 Suggestion for Further Research
REFERENCES
APPENDIX A - “SOURCE CODE”
APPENDIX B - “OBJECT PROGRAM”
A loan management system is designed to handle back office operations of financial institutions offering different types of Loans. Loan Lending is the principal business activity for most commercial banks. The loan portfolio is typically the largest asset and the predominate source of revenue. The aim of the study is to design and implement a Computerized Loan Management System for Rejecting or Approving Loan Request using Credit Risk and Evaluation Models. In achieving this aim, the following specific objectives were laid out as follows to develop an application software that will allow bank customers to easily access loans without stress or visiting the banks, analyze the loan sanctioning procedures of the applicants using credit risk and evaluation models and assist the end-user in identifying the credit worthiness of the borrowers. The motivation that led to the implementation of the proposed system is that many banks do not have an automated system specifically to manage loan lending information. This situation makes it difficult to instantly confirm loan information or get reports when needed. The methodology adopted in this study is the structure system analysis and design methodology (SSADM) which is a technical approach for analyzing and designing an application or system by applying object oriented programming as well as visual modeling throughout the software development. The programming language used is HTML, CSS, JAVASCRIPT, PHP, SQL and JQUERY. The reason why web programming languages was used is because, it is platform independent and it is a web based application. The computerized system will provide less risk for the banks when reviewing customers loan request, the system will ascertain if the customer is loan worthy or not automatically. The newly developed system is automated, effective, comprehensive, interactive, and gives the financial institution less credit risk. The expected result is a Computerized Loan Management System for Rejecting or Approving Loan Request using Credit Risk and Evaluation Models that will help the efficiency of loan disbursement, Loan recovery and increase accountability in the financial sector.
1.1 Introduction
Loan record management system is designed to handle back office operations of financial institutions offering different types of Loans (Mbam & Kingsley, 2014). The system converts the traditional method into a more digitized, less stressful form and ensures the security of records and information. It also tracks loan disbursed and enhances compliance to loan terms and conditions (Adebayo et al., 2014). Loan disbursement is the principal business activity for most commercial banks. The loan portfolio is typically the largest asset and the predominate source of revenue. As such, it is one of the greatest sources of risk to a bank’s safety and soundness. Whether due to lax credit standards, poor portfolio risk management, or weakness in the economy, loan portfolio problems have historically been the major cause of bank losses and failures. Effective management of the loan portfolio and the credit function is fundamental to a bank’s safety and soundness. Loan portfolio management (LPM) is the process by which risks that are inherent in the credit process are managed and controlled. Because review of the LPM process is so important, it is a primary supervisory activity.
As a prelude to other parts of this study, this chapter will discuss the background upon which this study was initiated, the statement of problems that led to this study, the Aim and Objectives of the study. Others are Significance of the study, Scope of work, Limitations of the Study and Definition of technical terms.
…
