ARBA MINCH INISTITUTE OF TECH

NOLOGY(AMIT)

(Faculty Of Computing and Software Engineering)

ARBA MINCH UNIVERSITY

Title: Online saving and credit association management system

for Arba Minch University Employees

Group members

s.no. Name ID no

1 Jemal Mmohamed……………………………ramit/ /10

2 …………………ramit/ /10

3 ……………ramit/ /10

4 …….……………ramit/ /10

5 .……………ramit/ /10
Advisor’s Name & Signature Examiners Name & Signature

Dr. M. Azath Hussain ----------------------- -------------------------------------

Arba Minch ,Ethiopia

June, 2021
 Abstract
The purpose of our project is to develop a Web Based saving and credit
association information management System for Arba Minch University
Employees, the system will reduce the time and labor required to provide services,
Reduce the error that made by the employers, change the manual storage
mechanisms into computerized system (database), provide fast, efficient, flexible,
reliable and secured services for better satisfaction of customers and improves the
motivation of the employees. The existing system of the organization is facing
different problems such as data redundancy, lack of data security and lots of paper
work. To solve this problems we will use different data collection methods such as
Interview, Document analysis and Practical observation. In order to analyze and
design the system we will use Object oriented approach for both analyzing and
designing the new system. This system is implemented using the programming
language PHP, uses the MySQL database and XAMP server. To complete successfully
the project in effective and efficient manner we gather the information by using

different data collection methodology such as interview , question and observation

analysis.

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Table of Contents
1 Introduction................................................................................................................................1

1.1 Back ground of the study.......................................................................................................1

1.1.1 Business rules.................................................................................................................1

1.1.2 Forms and other documents of the existing systems......................................................2

1.2 Team composition.................................................................................................................2

1.3. Statements of problems.........................................................................................................3

1.4 Objectives..............................................................................................................................3

1.4.1 general objective.............................................................................................................3

1.4.2 Specific Objective...........................................................................................................3

1.5 Feasibility Analysis...............................................................................................................4

1.5.1 Economic feasibility.......................................................................................................4

1.5.2 Operational feasibility....................................................................................................5

1.5.3 Technical feasibility........................................................................................................5

1.5.4 Legal feasibility..............................................................................................................5

1.5.5 Schedule Feasibility........................................................................................................5

1.5.6 Cost Benefit Analysis.....................................................................................................7

1.5.7 Cost of the Project..........................................................................................................8

1.5.8 Software cost..................................................................................................................8

1.5.9 Cost Breakdown..............................................................................................................8

1.6 Scope of Project.....................................................................................................................9

1.7 Significance of the project.....................................................................................................9

1.8 Target beneficiaries of the system.......................................................................................10

1.9 Methodology of the project.................................................................................................10

1.9.1 Data source...................................................................................................................11

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 1.9.2 Fact finding Techniques...............................................................................................11

1.10 Development tools.............................................................................................................11

1.11 Limitation of the Project....................................................................................................13

1.12 Reference...........................................................................................................................13

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1 Introduction
As we know today, the world is in technological area so the world is being coming to one village. As a
result, we should to develop an automated system for Arba Minch University employee’s saving and credit
association management system.

Arba Minch University employee’s saving and credit association is an organization under the control of
Ambo Town employees that provides saving and credit services for employees in the Town that wants to use
the services. The association manages different employees like accountants, cashers, and other members

This system provided service to employees of Arba Minch University for saving and loan money. In once
credit association the using of money must be performed properly

1.1 Back ground of the study

Arba Minch University employee’s saving and credit association was initially established in August 1991
E.C. It locates in Arba Minch university main campus. at the time of establishment there were 60 members.
The current number of members in the association is 2300.Among those members 1470 are females and 830
are males. At the beginning of the association there were no regular accountants, among the members of the
association candidates accountants were working. Currently there are 2 regular accountants. The project is
helpful to keep detail information about members, keep record of all modification and it provides security
using login form and using encryption mechanism that are not done in the existing system. The system what
we are going to develop solves the problems of the existing systems work .

1.1.1 Business rules

A business rule is an operating principle or policies that must be fulfilled in order to the system function
properly and effectively. It often pertain to access control issues, business calculations, or operating polices
and principles of the organization.

 BR1: the customer must be in this town(Arbaminch).

 BR2: the customer before send loan request applicant in human resource management.
 BR3: the minimum amount of money to loan is 50birr.
 BR4: In order to get loan the loan request must be approved by loan committee.
 BR5:
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  BR6: the customer can’t take loan more than ones until it repays 1/3 of the loan.
 BR7: the maximum amount of loan money the member can take is 5times of the deposited money.

1.1.2 Forms and other documents of the existing systems

There are forms available for customer to be filled by their information such as their name, address, and
account number and so on, when they want to save or take loan money.

To request for loan the customer must go to the HRM(human resource managenent) enters applicant, and
then go to the association and asks for loan, the accountant in the association register the request and
forwards it to the loan committee, according to the customer capacity to loan the loan committee approve or
deny the request and forwards the response to the main committee, the main committee forwards it to the
manager and the manager forward to accountant, the accountant gives loan money for the customer if the
request is approved. The accountant calculates the saving and loan interest rate for the customer of the
association.

To request for withdraw the customer must go to the association, the accountant in the association register
the request and forwards it to the manager and send back to accountant.

 To register new customer

1.2 Team composition

Project Title : Online saving and credit association for Arba Minch University employees
S.No Student Name ID-Number Email Address Responsibility
1 Jemal Mohamed Ramit/1709/10 Jmam8766@gmail.com Leader
2 Programmer
3 Designer
4 Project Analyst
5 Data Collector
Project Advisor: Dr. M. Azath Hussain
Table 1 : Team composition

1.3. Statements of problems

There are many problems in Arba Minch university employees ‘saving and credit association of the existing
system since every process are paper based and users information are copied more than one paper. Generally
processing user information in the existing system takes excess time, costs and effort.

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  Some of the problems are:
 The customer can’t easily view his/her balance: - since the system is paper based it is difficult to
view balance easily
 Difficult to shares information easily in the association: - information sharing among parents is time
consuming.
 Post meeting date is difficult and time consuming: - because the meeting date must be uploaded on
different areas of the campus in order to late the members .
 Calculating loan and deposit interest is difficult and not free from errors:-because all the calculation
processes are performed by the accountant so errors may be occurred
 Giving response for loan request takes long time:-since there are many processes to response for loan
request it is time consuming by the current system
 The customer must be registered on three papers:-used to protect data from lost

1.4 Objectives
1.4.1 general objective
The general objective of the proposed system is to develop web-based employee’s saving and credit
association information management system for Aba Minch university employees

1.4.2 Specific Objective

The specific objectives of the proposed system is list of objectives that are useful to
achieve the general objectives

 To develop a system that registers and modifies member information easily.

 To develop a system that calculate loan and deposit interest easily.
 To develop a system that shares information easily in the association.
 To develop a system that provides fast services.
 To develop a system that makes members able to view their balance easily.
 To develop a system that makes members to send requests easily.
 To develop a system that makes members to view response easily

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1.5 Feasibility Analysis
Depending on the results of the initial investigation the survey is now expanded
to a more detailed feasibility study .It is an analysis of the ability to complete a
project successfully, taking into account Operational, technological,
Behavior/political, economical and other factors.

1.5.1 Economic feasibility

Economic feasibility is the analysis of a project's cost benefit analysis in an effort
to determine whether or not it is logical and possible to complete. Our proposed
project is economically feasible because it has less expensive when compared to
the existing system, so the project helps in reducing the cost.

When a project is undertaken its economic and financial gains and losses have to be
considered i.e. whether the organization can support the cost incurred during the
development of the project. This is known as economic feasibility. The tangible and
intangible benefits are considered. Taking these factors into consideration a cost benefit
analysis was carried out for evaluating the proposed system.
The evaluation was carried out under the following heads:
a) Hardware Cost:
The organization required small amount of hardware and software for the system, so no much
more cost has been incurred in implementing the system.
b) Manpower Cost:
The proposed system is user friendly and does not require much knowledge of computers.
Thus there is no requirement of highly qualified staff in computers requiring big amounts of
salaries. Thus no extra expenditure is required for manpower. Therefore the system is
financially feasible.
c) Maintenance Cost:
The proposed system is user Maintenance cost machinery cost, employee cost and other cost
are include in company costs Maintenance cost.

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1.5.2 Operational feasibility
It is the measure of how well the solutions for problems will work in the
association. The project will be beneficial because it satisfies the objectives when
developed and used. And as well the new system brings an easy and user friendly
working environment that helps the employees get services from anywhere as well
as the association workers to handle tasks easily

1.5.3 Technical feasibility

It’s a measure of whether the proposed system is user friendly and enables users to
maintain when problems occur or not. Our system is technically feasible due to the
following reason:- 
Member can adapt the system easily.
 No need of much more skill
 Developed with in the latest technology.
 Users can maintain problems easily.

1.5.4 Legal feasibility

Behaviorally/politically this project will meet all legal and ethical requirements of
the project are applied. The system we are going to developed is not conflict with
any government directives or cannot interfere with any political issue and with any
cultural aspects. So our project is Behaviorally/politically feasible.

1.5.5 Schedule Feasibility

The schedule for this project will be feasible due to wealthy information exchange
between the developing team, Advisor and the organization. And also the time set to
develop the system is enough to complete at the predefined day and time. The
project team members expected the Project to be completed on time without any
delay.

We have planned to finish each phases regarding of the following schedule.

Task name Duration Start Finish Dec. Jan. Feb. May.

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1.Project proposal 10 days 01/12/2017 11/12/2017

2.Requirements 20 days 12/12/2017 01/01/2018

analysis

3.Design document 30 days 02/01/2018 02/02/2018

4.Implementation 124 days 03/02/2018 06/05/2018

and system testing

5.Installation and 20 days 07/05/2018 27/05/2018

document

Table 1: Schedule of the Project

Project proposal
Requirement
analysis

Installation and System design

document

Implementation
and system testing

Figure 1: Software development life cycle of amu employees associations management system

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1.5.6 Cost Benefit Analysis
A. Tangible Benefits
 The proposed system will reduce the annual budget of the organization
Materials Cost for Existing System

Items Quantity Per Year Salary/Unit Price Total Price Per Year

Paper 800 .100ETB 3500

pen 90 12ETB 1000

Labor Cost 14 800ETB 82000*12=984000

Desktop Computer 2 10000 ETB 45000

Total Cost 10912ETB 1032600ETB

Table 2: Material Cost for Existing System

Material cost for proposed system

Items Quantity Per Salary/Unit Price Total Price Per Year

Year

Paper

pen

Labor Cost

Desktop Computer

Total Cost

Table 4 : Material cost for proposed system

Difference between before and after deployment money required for payment
Cost Reduction for materials = 933000-472675=460325ETB

B. Intangible Benefit
 Reduce time required .
 Increase information processing efficiency
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  Reduce probability of occurrence of errors.
 Management flexibility
1.5.7 Cost of the Project
Labor cost 800 ETB
Computer 20000 ETB
Printer 200 ETB
Flash 300 ETB
Total material cost 21300ETB
Table 5: Cost of the Project

1.5.8 Software cost

Software Cost
Item Price
mySQLserver2008 Free
Window 10 Free
Microsoft Office 2019 Free
E-draw Free
Notepad++ Free
Total -

Table 6: Software cost

1.5.9 Cost Breakdown

Beside tangible and intangible costs, we breakdown cost of system development into two:
one time cost and recurrent cost.
 One time cost: Is a cost with project up and developments or system startup. This
mean that it refers to those associated with project initiation and development cost and
the startup of the system. The cost typing encompasses activities such as system
development, new hardware & software purchase or system startup user training, and
system or data conversion.
Recurrent cost: Recurrent costs are those incurred for goods and services in the course of a
budget year and which must be regularly replaced since we are developing this system as
senior project, we may not gain any income

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1.6 Scope of Project
The scope of the project covers the development of web-based saving and credit
association information management system in Ambo Town.
The proposed system supports society that are living in Ambo Town to be a
member and get service like request loan and deposit money.

The proposed system performs different tasks some of are:

 Register new member

 Send loan request
 View response
 view balance
 Provide information to the users/generate report

1.7 Significance of the project

The significance of a project can be categorized into different areas depending up
on to whom the benefit goes.

For Customer

 Reduce the time and labor required to get services from the association.
 To give/accept necessary information easily.
 It enhances accuracy, speed, and security of services.
 For their better satisfaction with fast services provided by the employees
 Enables the user to interact with the system easily because the system is user
friendly

For employees

 The system takes the calculate loan and deposit interest tasks that are performed
by the employees in the existing system
 reducing the broad manual work

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For association

 Reduce the cost because of reduced number of employees.

 The system makes the association database accurate and secured.

1.8 Target beneficiaries of the system

There are two beneficiaries in our system. These are:

 The organization: -The first beneficiaries of this proposed system is the

organization by itself (mainly manager/finance officer) that has full access to
the system. the system provides efficiency ways for recording the customer
information and searching some records of the customer. It can save resources
like working time, increase efficiency, increase performance of the system.

 Customer:-a person who has some saving problems or need advice from the
manager.

1.9 Methodology of the project

To develop this project the team used data sources, design methodology and object-
oriented system development methodology. Because this object oriented
methodology has the following purposes:-

Simplicity: software objects model real world objects, so the complexity of our
project is reduced and the program structure is very clear.

Increased Quality: Increases the quality of our project by-product of this program
reuse.

Faster development: Object oriented development leads to faster of project

development.

Maintainability: Object oriented methodology makes code more maintainable.

Objects can be maintained separately, making locating and fixing problems easier.

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 1.9.1 Data source
The data source for this study was primary data sources and secondary data sources.
The primary data collection has been done through questionnaires, group discussion
and interview and the secondary data sources was from Magazines, books, reports,
woreda sectors, journals, articles, related literatures, website and the like

1.9.2 Fact finding Techniques

Interview
We made an interview questions with the employees of Ambo Town employee’s
saving and credit association to get information that are useful for developing our
system.
Observation
We observed the working mechanism of the existing system

Document analysis
We read the document which is prepared by the association that explains about the
association feature.

1.10 Development tools

We can see development tools in to ways hardware part and software part.

Hardware requirements
Hardware parts are the physical part that can be touchable and visible components that are
necessary to develop a system. The hardware required to develop the proposed system are:
Tools Activities
Personal computer (PC) Almost all tasks of our project will be performed on computer.
RAM 4GB To store the file temporarily

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CPU Intel(R) Core (TM) used to process instruction
i3-4160 CPU @
3.60GHz:
Hard disk: store large file permanently
Table 1 hardware requirements

Software requirements
The software parts are the instructional components used to develop a system. Software parts to
develop system are as follows:
Tools Activities Why?
Sublime, Code writing. Easy to use.
notepad++

MYSQLI For designing the database. Database server for PHP.

server
MS word 2019 Documentation. Easy to use.
E-draw max, to design Unified Easy to design diagram.
Modeling Language (UML)
Visio
diagrams.
HTML Client-side coding. It works with PHP.
XAMP Server to test the system by running. Easy to use.
CSS Style/beautify the content. It works with HTML and PHP
Web browser For browsing and running the system Better for displaying webpage
(Google
chrome)

Apache Web server Web server for PHP

Snipping tool Capturing images Easy to use
Table 2 software requirements

1.11 Limitation of the Project

 The system has a link with bank manually.
 The system does not include any financial transaction.
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1.12 Reference
(1) (Unpublished) Arba Minch university employee's saving and credit association rule and
regulation,

1999

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