FMS- Make your Bank Loan Management easy FMS is a Modern and Responsive Loan

management system. It is developed by PHP and HTML 5. It is design and develop for
companies, bank etc that require streamlined loan control, savings account and SMS
notification system. The system also automates the savings, borrowing and payment
processes. This software is a web based application used by most cooperative, mini – bank,
micro-finance bank etc. to handle loan and savings transaction.

Please Check Your Localhost (xampp/wamp) or Your Server (Cpanel) before installing this
Application. It is compatible with this version.
Mysql Version : 5.5.20 > PHP version: 5.3.9 upward > Apache : 2.2.21 upward

INSTALLATION GUIDE
 FOR LOCAL INSTALLATION OR SETUP
 extract the downloaded folder,
 go to database
 open the sql file and set it up in local server
 click on config folder
 open dbconnect.php
 change the settings to your own database settings

 FOR SERVER INSTALLATION

 extract the folder to your root directory (public_html)
 set up the database
 import the database to your server
 click on config folder
 open dbconnect.php
 change the settings to your own database settings

Core Features of the System

Login Interface with Dashboard
After installing then you will be redirected to login page. Then put username (e.g. admin OR
at), password (e.g. admin OR at respectively) then click on Sign in button.

This is Home page overview. You can easily glance through all activities / records of the
system including the loan graph reports.

User Profile Settings

To change profile settings, image, user name and password just look on top-right side of
dashboard then click settings icon and go to PROFILE option then change your profile
 settings. Don't forget to click save button.

Borrowing Process
To Register New Borrowers, just click on Borrowers button on the side navigation bar and
click on New Borrowers to fill the form (e.g. upload image, first name, last name, email etc.).
Then make sure you click on save button. Then move forward by clicking on List Borrowers
at the side navigation bar to complete the registration by searching via immediate registered
borrowers with either the first name, last name or email address, then click on

to complete registration by filling other forms like: Financial Information (to upload / delete
multiple financial information, kindly click on + Add Row / Delete Row Respectively),
attached vital document like property as collateral to qualify for the loan.
 Wallet Module Description
To manage your Wallet, Kindly click on My Wallet at the navigation side bar. There, you can
add new wallet based on credit or debit, transfer fund from your wallet to another wallet
account with transaction details display on screen and see wallet balance as shown in the
screenshot below.
 To Add New Fund to your wallet, click + Add New Wallet as indicated below:

Then enter the amount to add, the description and transaction / wallet type

The same thing applies to transfer of fund from one wallet account to another by clicking on
the Transfer Money, then a transfer form will pop up (then fill the amount to transfer,
description and staff to transfer to).

Loan Application Process

For any authorized staff/admin of the bank to issue loan to their respective customers, one
have to fill in the loan application form by clicking the Loans tab at the navigation side bar as
indicated in the screenshot below and click on New Loans (the requirement for the loan is
Customer personal details, amount requested, description, date release, guarantor
information with passport image and payment schedule information).
Once you click on the Save button, you will be redirected to the loan information page where
by you will click on the just added loan information by clicking on

The same thing applies to transfer of fund from one wallet account to another by clicking on
the Transfer Money, then a transfer form will pop up (then fill the amount to transfer,
 description and staff to transfer to).

Attached required document for the loan

Upload proof of ownership including the image of the borrower’s property as a collateral then
click the Submit and then move ahead to Payment Schedule Tab to fill, then finally click on
Update Collateral to complete the application.

Payment Processing Module

To add payment to the system, Click on Payments Tab on the navigation side bar, then click
on New Payment and fill in necessary information. Or Click on List Payments, at the top of
the page, you will see New Payment button, click on it to add payment to the system. Then
after that, you will have to click on Make Payment button located down the page as indicated
in the screenshot below:
Here, you can view and delete payment records and also you can print and export payment
records to excel.

Module Permission Assignment

To configure module permission, Click on Module Permission Tab on the navigation side bar
then click on Add Permission, then choose the name of the user to set permission for.

The Key permission is described below:

 Create: It will enable the navigation tab for the Module Name located at the left side bar
and also it will enable all add button integrated in the system when checked but disabled it
when unchecked.
 Read: It will enable the respective user of the platform to be able to view all record /
transaction / information placed on the platform when checked but disabled it when
unchecked.
 Update: It will enable all update button embedded on the platform when checked but
disabled it when unchecked.
 Delete: It will enable all delete button embedded on the platform when checked but
disabled it when unchecked.
You can also View list of all users given permission as shown in the screenshot below:

Below is the modules enabled / disabled for the users or staff of the Bank.
 Here, you can edit user permission, then you click on Update Module to save it.

Savings Account Module

To View Customers information and also to add Customers to Borrower List, Click on
Savings Account Tabs located at the left side bar, then click on Customers. There on the
page, you can Add New Customers by clicking on + Add Customer, also, you can Add
 Customer to Borrowers list by clicking on Add to Borrower List

Once you click Add to Borrower List, you will be taken to another page where you will be ask
to enter comment e.g. Application of loan as shown in the screenshot below then you will
 click on save button for the customer details to appear in borrower list page:

To deposit fund to customers account, Under Savings Account Tab, Click on Deposit
Money, then you select / search the customer's account number to transfer to, Enter
the Amount to Deposit, then you click on Deposit button. NOTE: For any deposit you
make on the system, the customer will receive Credit Alert on his or her mobile phone as a
 confirmation that the money have been posted.

Error to Avoid while Entering Amount to Deposit to Customer's Account:

 You are to avoid Entering Unexpected Value (e.g. minus sign) in the Amount Field as it
will result to Invalid Amount Entered! As shown in the diagram below:

 Avoid entering special character in the Amount Field e.g. @, &, +, #, ^, * etc.
To withdraw fund from customers account on request, kindly follow the same steps
as it is in number 10.

To view all Transaction and Print Transaction Receipt with official stamp on it,
Under Savings Account Tab, Click on All Transaction as shown in the image below:
 The transaction fee receipt can be generated by clicking the Receipt button:

Global Settings
To setup the global configuration, kindly click on General Settings Tab follow by Company
Setup, then you will fill in the necessary form including the system logo and stamp image,
then finally, you will click on save button to store the details as shown below: