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CHAPTER 1
INTRODUCTION
All organizations whether large or small have a form of record(s) for their finances. Financial
institutions are organizations that offer money lending services to people and business
organizations have written records of their clients. A loan management system is a database
management system used to automate the loan services of financial institutions. It serves the
purpose of easy file retrieval and entry. The automation of loan services not only provides secure
services of the loan details to the customer and the organization but also serves the organization
huge sums of money that would have been spent on stationary in a case where a file system is
used. In short the system will enable money lending organizations to provide good customer
relations by being able to preserve the integrity of the loan details, to enable easy file access and
retrieval and increase security on customer details. This project is concerned with the design,
development and implementation of a database that will enable money lending organizations to
record the lending of money, proposed period of servicing the loan, reasons for borrowing,
customer details and generating reports about loans.
The managing of huge data effectively and efficiently for efficient results, storing of confidential
information such as the customers details and the loan details, in such a way that the database
can be modified proves to be cumbersome. * High costs spent on stationary for the loan
application forms * The system is error prone.
* It is easy to tamper with the files with the current system. * Lack of properly integrated system
to capture customer details and loan application details at the same time. * Either no reports
generating in the current system or they are generated with great difficulty. Reports take time to
generate in the current system.
Daily many new customers visit the bank, so adding the new customer’s details
and keeping the records using it is very easy. There are many other options also like changing
repo rate, adding new accounts etc.
New and unique ids are given to everyone who gets registered over this system and to the
customers who take the loan. There are also the options to check the customer’s loan amount,
interest rate and the unpaid amount.
Amount paid by any customer or can be saved on it and it is easy to calculate daily that the
money is collected.Bank staff members like a manager, the cashier can the also check the details
of their customers like if any customer has not paid the monthly amount from the last three
months then it will notify itself to the user.
It is easy to calculate money and handle account on monthly basis also. This system also has an
option to use the backup, that means if we are backing up the database it can never be lost.
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METHODOLOGY
The methodology of online loan management system this is that it does what it is meant for. A
methodology describes what a software system should do, while non- methodology place
methodology specify a function that a system or system component must be able to perform. It
can be documented in various ways. The most common ones are written descriptions in
Few of its methodology of online loan management system are as given below:-User data should
be fed into the system: this system is doing that properly in user entity.Admin can verify the user
and can help them register on loan management system.The user can add the customers: users
are able to add customers, which are taking a loan from the bank.
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CHAPTER 2
SYSTEM ANALYSIS
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When there is no computerized system there is always a difficulty in searching records if the
records are large in number .
Space consuming
After the number of records become large the space for physical storage of file and records also
increases if no computerized system is implemented.
Cost consuming
As there is no computerized system the to add each record paper will be needed which will increase the
cost for the management of library.
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Admin:
Admin is the one who verifies the user or the customer which is going to register itself on the
loan management system. There can be only one account of admin and all other accounts can be
either of user or customer.
Admin cannot see the details of the bank loan accounts, only user and customer can see it.
Admin can only add or delete accounts.
Login:
After registration one can log in the system as the operator of the system on the behalf of user.
After this, he has the other user interfaces available for further actions like adding and deleting
doctors and other staff members etc.
The first option that is provided in the loan management system is adding new customers or
users which are most important. When a new customer goes to a bank, then he or she might have
an account or might want to open one.
A customer who has account in the bank can only take loan so even if a user comes to take a
loan, his or her account must be opened in the bank first. So, adding new customers’ details in
the database is most important and then the user does the other tasks.
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In the details person’s address, phone number, disease or problem and some other things are
asked.
Another function that this software provides is keeping the details of the customer loan. For
example, how many instalments have been paid by the user and how many are left.
How many instalments were not paid by the customer in the past etc. when will the loan be over
and what kind of loan is taken by the customer.
Maintaining Records:
A customer can ask for the details of its anytime. May be later in any other loan if he requires it.
It is very important to maintain the records of patients properly. This feature is given in this loan
management system.
It keeps all the data saved and by entering the customer id or name it can be fetched whenever it
is required.
As the repo rate gets increased or decreased by the RBI then the banks also increase their interest
rate. Therefore, it is very important to know the interest rate to the customer according to which
customer will pay the amount.
A number of the instalments might get increased or decreased if the customer wants.
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Bank details:
As this system can be used for any bank so there is an option to add the details about the bank
and then the details about the bank branches according to which the customers taking a loan from
specific bank branches will be added.
This system is designed keeping the things in mind that there might be many different banks
using this system. After adding the details about a particular bank which are required only once
all other details and bank branches can be added.
If there is a customer who wants to take a loan from a bank branch which is not present in the
loan system then the loan cannot be given as it might be a fraud case.
User Panel
1. User Registration- User can register through user registration form
2. User Login- User can login through login form
3. Forgot Password-user can retrieve password through forgot password link
4. User Dashboard
5. User Profile-User can manage own profile
6. Change Password- User Can change own password
7. User access log- User can watch last login details
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CHAPTER 3
REQUIREMENT SPECIFICATIONS
3.1 DETAILS OF SOFTWARE
3.1.1 HTML
HTML is used to create and save web document. E.g. Notepad/Notepad++
3.1.2 CSS
(Cascading Style Sheets) Create attractive Layout.
3.1.3 JavaScript
It is a programming language, commonly use with web browsers.
3.1.4 PHP
Hypertext Preprocessor (PHP) is a technology that allows software developers to
create dynamically generated web pages, in HTML, XML, or other document types, as per client
request. PHP is open source software.PHP is a server-side scripting language designed primarily
for web development but also used as a general-purpose programming language. Originally
created by Rasmus Lerdorf in 1994, the PHP reference implementation is now produced by The
PHP Development Team. PHP originally stood for Personal Home Page, but it now stands for
the recursive acronym PHP: Hypertext Preprocessor.
PHP code may be embedded into HTML or HTML5 markup, or it can be used in combination
with various web template systems, web content management systems and web frameworks.
PHP code is usually processed by a PHP interpreter implemented as a module in the web server
or as a Common Gateway Interface (CGI) executable. The web server software combines the
results of the interpreted and executed PHP code, which may be any type of data, including
images, with the generated web page. PHP code may also be executed with a command-line
interface (CLI) and can be used to implement standalone graphical applications.
The standard PHP interpreter, powered by the Zend Engine, is free software released under the
PHP License. PHP has been widely ported and can be deployed on most web servers on almost
every operating system and platform, free of charge.
The PHP language evolved without a written formal specification or standard until 2014, leaving
the canonical PHP interpreter as a de facto standard. Since 2014 work has gone on to create a
formal PHP specification.
During 2014 and 2015, a new major PHP version was developed, which was numbered PHP 7.
The numbering of this version involved some debate. While the PHP 6 Unicode experiment had
never been released, several articles and book titles referenced the PHP 6 name, which might
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have caused confusion if a new release were to reuse the name. After a vote, the name PHP 7
was chosen.
The foundation of PHP 7 is a PHP branch that was originally dubbed PHP next generation
(phpng). It was authored by Dmitry Stogov, Xinchen Hui and Nikita Popov, and aimed to
optimize PHP performance by refactoring the Zend Engine to use more compact data structures
with improved cache locality while retaining near-complete language compatibility. As of 14
July 2014, WordPress-based benchmarks, which served as the main benchmark suite for the
phpng project, showed an almost 100% increase in performance. Changes from phpng are also
expected to make it easier to improve performance in the future, as more compact data structures
and other changes are seen as be better suited for a successful migration to a just-in-time (JIT)
compiler.[44] Because of the significant changes, the reworked Zend Engine is called Zend
Engine 3, succeeding Zend Engine 2 used in PHP 5.
Because of major internal changes in phpng, it must receive a new major version number of
PHP, rather than a minor PHP 5 release, according to PHP's release process. Major versions of
PHP are allowed to break backward-compatibility of code and therefore PHP 7 presented an
opportunity for other improvements beyond phpng that require backward-compatibility breaks,
including wider use of exceptions, reworking variable syntax to be more consistent and
complete, and the deprecation or removal of various legacy features.PHP 7 also introduced new
language features, including return type declarations for functions, which complement the
existing parameter type declarations, and support for the scalar types (integer, float, string, and
boolean) in parameter and return type declarations.
3.1.5 MYSQL
MySql is a database, widely used for accessing querying, updating, and managing data in
databases.
MySQLis an open-source relational database management system (RDBMS). Its name is a
combination of "My", the name of co-founder Michael Widenius's daughter, and "SQL", the
abbreviation for Structured Query Language. The MySQL development project has made its
source code available under the terms of the GNU General Public License, as well as under a
variety of proprietary agreements. MySQL was owned and sponsored by a single for-profit firm,
the Swedish company MySQL AB, now owned by Oracle Corporation. For proprietary use,
several paid editions are available, and offer additional functionality.
MySQL is a central component of the LAMP open-source web application software stack (and
other "AMP" stacks). LAMP is an acronym for "Linux, Apache, MySQL, Perl/PHP/Python".
Applications that use the MySQL database include: TYPO3, MODx, Joomla, WordPress,
phpBB, MyBB, and Drupal. MySQL is also used in many high-profile, large-scale websites,
including Google (though not for searches), Facebook, Twitter, Flickr, and YouTube.
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MySQL is written in C and C++. Its SQL parser is written in yacc, but it uses a home-brewed
lexical analyzer. MySQL works on many system platforms, including AIX, BSDi, FreeBSD,
HP-UX, eComStation, i5/OS, IRIX, Linux, macOS, Microsoft Windows, NetBSD, Novell
NetWare, OpenBSD, OpenSolaris, OS/2 Warp, QNX, Oracle Solaris, Symbian, SunOS, SCO
OpenServer, SCO UnixWare, Sanos and Tru64. A port of MySQL to OpenVMS also exists.
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CHAPTER 4
SYSTEM DESIGN
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4.2 ER DIAGRAM
ER Diagram Uses
When documenting a system or process, looking at the system in multiple ways increases the
understanding of that system. ERD diagrams are commonly used in conjunction with a data flow
diagram to display the contents of a data store. They help us to visualize how data is connected
in a general way, and are particularly useful for constructing a relational database.
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4.3.1 LOAN
L_ id GRP_id L_amount L_interest L_duration
4.3.3 BANK
BANK_id BANK_name MNGER_id MNGER_name status
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4.3.1 LOAN
L_ id GRP_id L_amount L_interest L_duration
4.3.3 BANK
BANK_id BANK_name MNGER_id MNGER_name status
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4.3.3 BANK
BANK_id BANK_name MNGER_id MNGER_name status
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4.3.3 BANK
BANK_id BANK_name MNGER_id MNGER_name status
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CHAPTER 5
SYSTEM IMPLEMENTATION
5.1 MODULE DESCRIPTION
Our system has two main interfaces. One is for customers and the other is for the user which
manages all the bank accounts. Along with these, we have other interfaces which can be
discussed as below:
Admin:
Admin is the one who verifies the user or the customer which is going to register itself on the
loan management system. There can be only one account of admin and all other accounts can be
either of user or customer.
Admin cannot see the details of the bank loan accounts, only user and customer can see it.
Admin can only add or delete accounts.
Login:
After registration one can log in the system as the operator of the system on the behalf of user.
After this, he has the other user interfaces available for further actions like adding and deleting
doctors and other staff members etc.
The first option that is provided in the loan management system is adding new customers or
users which are most important. When a new customer goes to a bank, then he or she might have
an account or might want to open one.
A customer who has account in the bank can only take loan so even if a user comes to take a
loan, his or her account must be opened in the bank first. So, adding new customers’ details in
the database is most important and then the user does the other tasks.
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In the details person’s address, phone number, disease or problem and some other things are
asked.
Another function that this software provides is keeping the details of the customer loan. For
example, how many instalments have been paid by the user and how many are left.
How many instalments were not paid by the customer in the past etc. when will the loan be over
and what kind of loan is taken by the customer.
Maintaining Records:
A customer can ask for the details of its anytime. May be later in any other loan if he requires it.
It is very important to maintain the records of patients properly. This feature is given in this loan
management system.
It keeps all the data saved and by entering the customer id or name it can be fetched whenever it
is required.
As the repo rate gets increased or decreased by the RBI then the banks also increase their interest
rate. Therefore, it is very important to know the interest rate to the customer according to which
customer will pay the amount.
A number of the instalments might get increased or decreased if the customer wants.
Bank details:
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As this system can be used for any bank so there is an option to add the details about the bank
and then the details about the bank branches according to which the customers taking a loan from
specific bank branches will be added.
This system is designed keeping the things in mind that there might be many different banks
using this system. After adding the details about a particular bank which are required only once
all other details and bank branches can be added.
If there is a customer who wants to take a loan from a bank branch which is not present in the
loan system then the loan cannot be given as it might be a fraud case.
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CHAPTER 6
FIG 6.1
This page is used to operate the user's account admin. This page is used by the admin to login by
entering username and password to enter into the welcome page of the data record.
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DASHBOARD
FIG 6.2
This page is used to know the details of the product available.
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ALL GROUPS
FIG 6.3
In this page ,we can see all the groups and add any of the new groups.
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ALL LOANS
FIG 6.4
In this page ,we can manage and approve all loans.
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FIG 6.5
In this page , we can manage all user and allot new loans to the applicant.
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FIG 6.6
I n this page,add manage admin passwords and update it.
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PAYMENT HISTORY
FIG 6.7
in this page the admin can manage all payment history about installments and interests of loan
taken.
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CHAPTER 7
SYSTEM TESTING
TEST CASES
LOGIN
No Test cases Case Type Expected Actual Result Pass/Fail
Result
1 1 Login Website 1.Correct Successful login Successful Pass
Username and
Password
TABLE 7.1
UPLOAD DATA IN DATABASE
No Test cases Case Type Expected Actual Result Pass/Fail
Result
1 1 Upload Data 1.Insert Query Successful Successful Pass
Executed Upload
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TABLE 7.2
VIEW DATA OF DATABASE
No Test cases Case Type Expected Actual Result Pass/Fail
Result
1 1 View Data SelectQuery Successful Successful Pass
Executed
TABLE 7.3
TABLE 7.4
DELETE DATA OF DATABASE
No Test cases Case Type Expected Result Actual Result Pass/Fail
TABLE 7.5
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CONCLUSION
Finally, in Online loan management system, the outcome of all the hard work done for Loan
management system is here. It is a software which helps the user to work with the different banks
and their branches easily.This web application reduces the amount of manual data entry and
gives greater efficiency. The User Interface of it is very friendly and can be easily used by
anyone. It also decreases the amount of time taken to write customer’s details and other modules.
At the end, we can say that this, software is performing all the tasks accurately and is doing the
work for which it is made.
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BIBLIOGRAPHY
OOKS REFERRED
B
Database Management System : Ramez Elmasri and Shankant B.Navathe,Ramakrishna and
Gehrke.
EBSITES
W
www.google.com
www.w3school.com
www.youtube.com
www.wikipedia.com
www.mysql.com
www.php.net
www.lynda.com
www.udemy.com
www.tutorialspoint.com
www.zend.com
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