SYNOPSIS

FINANCE COORDINATOR AND ANALYZER The project Loans and Finance Management software is designing in a flexible but easy to use loan and finance servicing system that helps banks, finance companies, credit unions, business development authorities, micro lenders and other lending organizations to remain profitable and grow their business in an increasingly competitive environment. This project can meet the loan servicing needs of lenders of all types and sizes,

developing using Vb.Net as front End and SQL Server 7.0 as back end.

A client would make an application to a finance company for a loan. The loan will be recovered over a period of time to be mutually agreed upon.

The finance company does not keep stock of any assets except those that have been ordered for a client and awaiting delivery . The company charges interest and the interest rate can change anytime the central bank changes the lending rate to commercial banks. This can happen in the middle of the month, in which case two rates will apply in the month in question.

It is expected that a minimum payment would be made on a monthly basis, but the client can choose to pay more, which will reduce the outstanding capital.

In the event of non-payment, the assets can be repossessed and the finance company will determine the value of the assets by some method. If the current value is less than the debt, the client will be liable for the shortfall.

A customer can have more than one agreement at a time, and agreements can be consolidated into one agreement at any point in time.

Different interest rates apply to different clients.

The Module Includes Client List Investment Loan Application Loan Agreement Loan Register Gold Loan Register Vehicle Loan Register Personal Loan Register

Loan Transaction Gold Transaction Vehicle Transaction Personal Transaction

Client List
Client modules maintain the customer name and the address information with

communication address. This includes information for the loan applied and total loans availed .

Investment
This module maintains the investment details of the company. This module maintains Investment register and Transaction register. 1. Register This register maintains opening of new accounts (Deposit account opening) . It includes Updation , modification and Deletion of an Account . Eg: Type of Account, Account Number, Date of Opening, Amount etc 2. Transaction This for making transaction related to Deposit .such as Debit / Credit / Interest payment / Closing of accounts .

Eg: Cheque Withdrawal , Cash Deposit , FDClosing etc

Loan Application
Loan application modules include a variety of schemes. This maintains the loans schemes and loan availability of the organization. This includes Gold Loan, Personal Loan, vehicle loan. As far as the loan-to-application relationship , when a person applies for a loan, they are either accepted or rejected. If they are rejected, then they fill out another application and try again. A person usually doesn't get to apply for more than one loan on a single application. Of course, the database can be designed to allow one application to several loans.

Loan Agreement
The Agreement/Loans module is to track which loans are on each agreement. After a person is approved for a loan, you will create a Loan record. You will then create an Agreement record. Lastly, you would create a record in the Agreements/Loans table to show that the new Loan is a part of the new agreement.

Loan Register
Gold Loan Register Gold Register modules includes the entire information about the gold purchased from the organization. This include the customer information, loan sanctioned date , loan due date, Gold weight, Loan amount etc. Vehicle Loan Register Vehicle Register modules includes the entire information about the Vehicle Loans

availed from the organization. This include the Vehicle information and the customer amount to be paid monthly and the interest allotted for each installment .

Personal Loan Register

Personal Register modules includes the entire information about the persons availed from the organization. This includes the amount availed by the customer and the customer amount to be paid monthly and the interest allotted for each installment.

Loan Transaction
Gold Transaction Vehicle Transaction Personal Transaction

This module includes the transaction done by the customers. This includes loan amount paid, Paid date, Interest paid etc. this four modules Gold Transaction , Loan Transaction, Vehicle Transaction and Personal Transaction modules maintains the different types of fields for various transaction. This module includes application id, Account number, Customer name, loan date, loan number, loan code, loan type, loan amount, balance, Transaction date, Transaction date, receipt number, transaction type, adjustment, cash, balance amount, narration.

EXISTING SYSTEM After analyzing the whole system we are able to understood the company require a good and fast programming language with high security level database. The company is not having any proper networking system customer or administrator has to approach

several departments inorder to get any information . The company has alloted separate staffs for each sections. Because of this the company is maintaining separate books and files for all sections. The existing system is manual. Manual system has lot of

limitations. The management is They have to spend a lot time for searching and selecting the exact records and the particular details of each and every item of the firm. If the Boss Of the company asks for a Particular detail of an Item or stock details then they have to first find out the Register year and month of sales or purchase , supplier Id or name to the find out the details. The company is spending a huge amount towards maintaining staffs , files and services. As everyone knows that today customer service is very important in order to flourish in this competitive world . So the company is having problem in order to keep records and satisfy the customer . PROPOSED SYSTEM The proposed software is developed with an aim to computerize the whole system and thereby managing the whole activities of the company in fast and accurate way. This software manages all security aspects and easy design face. By this the user can easily demonstrate and work thru this. The project entitled Loans and Finance Management System mainly implementing for computerizing the details of Investments, Loan agreement, customer loan schemes like housing, vehicle, personal, gold and also the loan details . The customer detail shows the personal information of customers and also who enquired about the loan. In the loan scheme module, that includes information about the different schemes of loans, which are provided. In the loan details gives details of the different loans that are provided for the customer

ADVANTAGE OF PROPOSED SYSTEM The main advantage of using this computerized system that everything can be done fast. Speedier access of data can be done through computerization. Computerization has reduced the need for manpower. Maintenance charge is normal. Proposed system is user friendly in which process are menu driven. Large amount of data can be stored in computer memory. Many database files can be manipulated at the same time by the software. This provides the program with many files to be handled easily. To increase the access power of the system, it includes some menus. This menus guide the user to various part of the system required for processing data.

SYSTEM CONFIGURATION HARDWARE REQUIREMENTS Processor CPU clock Memory Hard Disk Cache Memory Monitor Keyboard Mouse : : : : : : : : Pentium IV 2.54GHZ 512 MB 40 GB 512 KB 21 inch Standard 106 key Any mouse suitable for Windows

ORGANIZATION PROFILE Sreelakshmi Chits and Fianace Pvt Ltd is a noted company with more than forty four years of Experience . Located in Palakkad district. The main objective of the company was to provide need based financial plans to its clients. The platform of chits was readily acceptable to the entire spectrum of clients as it offered many positive attributes for financial planning. The approach in the beginning was very personalized and highly focused on each individual client. It was similar to being a family "Financial" doctor for the client. The involved attitude towards the clients helped build closeness and trust with them. As a result we have built lasting relationships and the ratio of repeat financial interactions is a near 100% from all solvent and dependable clients.

The success of customer oriented approach moulded and guided our business strategy and policy since, and Sreelakshmi has grown from a modest client base to that of a several thousand in strength with customized and tailored financial plans being its mainstay. Over the years Sreelakshmi has complied to all possible statutory obligations and acquired relevant registrations and licenses from governing bodies with whom it has an immaculate track record. Sreelakshmi is also credited with designing and commencing many new financial products. It has acquired intellectual property rights in respect of various financial instruments under the relevant trademarks, copyright and patent legislation of the land. The company have always maintained excellent relations with our bankers. The company has also maintained excellent ties with the society

LEVEL-0
Administrator

Loan and Finance Management System

Administrator

LEVEL-1 Administrator

Customer

Loan Application

Loan Register

Loan Transactio n

Administrator

LEVEL-2

Administrator Loan transac tion Custom er

Customer Details

Gold Transaction

Gold Loan Transaction

Report
Home Loan Transaction

Report
Home

Loan Application

Loan Application

Report Report
Personal Gold loan registration Personal Loan Transaction

Loan register

Gold loan

Report
Vehicle Vehicle Loan transaction

Report
Home Loan Registration

Home

Report

Report Person al
Personal Loan Registration

Report Vehicle
Vehicle Loan Registration

Report

ER- DIAGRAM
Name Nomine

Customer Detailes

Acc No

Cus t ID Loan Application

App No

Loan Amt Security Type

Loan Code

App No Loan No Amt

Gold Loan Register Inter est Home Loan Register No of Transac tion Adjustment Amt Type Vehicle Register

Personal Loan Register Recruit no loa nno

Loa n No

type

Personal loan transaction

Gold loan transactio n Narratio n

Loa n No Home Loan Transactio n

Loa n No Transacti on Vehicle Loan Transaction