System Design System Testing System Introduction Preliminary Investigation
System analysis is the systematic
analysis of a proposed system and the identification of the requirements that it
should meet. It is a process of gathering and interpreting facts, diagnosing
problem, defining the problem and recognizing causes. System Analysis is the
starting point for system design. The term is most commonly used in the context
of commercial programming, where software developers are often classed as either
system analyst or programmers. The systems analysts are responsible for
identifying requirements (i.e. systems analysis) and producing a design. The
programmers are then responsible for implementing it. The System Analysis is performed in three different steps-
Loan Department maintains all loan related information and transaction.
Which comes from different branches. At present loan department section use a
paper-based system to store and analyze these information. Some software like
Ms. Word, Ms Excel, Ms Access etc used in a limited basis.
To manage all these information a
paper based-manual system is not efficient. In BSB there are several departments
and each department has their own data to process. There fore huge data
collection is going all the day and managing all these information in a paper
based system is very difficult, time consuming and enormous. So
the challenge was to build software to overcome these problems.
paper-based system other problems they face are:
Documents are very large.
Stake of files that is very difficult to maintain
Extra overhead works
Extra manpower, so more expenses is needed in every step to manage all of
Documents are not secured.
Calculations are complicated and error can
In order to understand the existing system and identify the current problems with the system, a requirement analysis has to be implemented. This part plays a fundamental role in System analysis phase.
Requirement Analysis relies on fact-finding techniques. Which includes interview, questioners, record review and observation.
Purpose of Loan
Management System activity:
Bangladesh Shilpa Bank (BSB) is one
of the leading Financial Institute in Bangladesh. The main purpose of this organization is to provide
financial assistance to projects in different sector for industrialization. BSB
extends long-term loan facilities in local and foreign currencies to industrial
projects in the private and public sectors. Industrial loan is the core business
of BSB. Loan Department maintains all loan related information and transaction.
After completing all transaction Loan department send the resulting information
to the Central Account Departments. Central Account Departments (CAD) is main
accounting section of the bank.
Steps are performed:
The system starts when client
submits a project for a loan. This project is verified in the Loan Department.
The result of the verification is send to the management. Then the management
decides whether the project is accepted or denied in a board meeting.
When the project is accepted the
detail information of the project is to collect. Like- project id, Name, Address
etc and send them to Not Due section in the loan Department. This section is
responsible for giving money for the project and maintains the related
information and transaction. A new
account number and loan number is to open for that project loan in the Not Due
section. Which contain sanction amount, installment amount, interest during
construction period amount etc.
After that the loan sanction amount
is given to the project by more than one installment. This process is called
disbursement process. When the 1st amount of taka is given to the
project, it is called the first disbursement. Disbursement balance report is
prepared in this step. This information is also kept in the not Due section.
When the disbursement process
completed this is the time to start taking return from client with interest.
That’s why repayment schedule created to receive the money. Repayment schedule
contains installment amount, date, installment cycle, total balance.
Over Due Section collect
installment amount from the client. This section also collects other charge from
the client. After collecting the taka from the client this section update the
current loan balance and also send the information to Not Due section. Loan
recovery balance report is prepared here.
If anybody fail to give the
installment for a long time than this section takes necessary steps, like-
Re-phase/Write-off etc. In case of re-phase the old loan account is rearranged
by the management and create a new loan account. The entire balance is then
transferred from the old loan to new loan.
Finally all the information is send to the CAD (Central Accounting Department).
All the Loan Management works are
performed in the Loan Department. But the department is classified in two parts
– Not Due Section and Over Due Section.
Not Due Section is responsible to give money to the project and preparing
the Repayment Schedule. Over Due Section receives money from the client and
takes necessary steps for loan defaulter.
client or project applies for the loan.
Inspector verifies the project.
management accepts or denies the project.
Manager, Manager, DGM and AGM perform rests of the processes.
As it BSB mainly gives long-term
loan, so these activities are performed year after year. It mainly depends on
the loan sanction amount. If the sanction amount is large than it takes long
As these activities are performed
for long term loan, so volume of transaction is great. Each loan goes for year
after year for a particular project.
submission, verification, loan sanction this steps are performed only once for a
Duration of Loan
Disbursement, repayment activities are based on sanction amount.
Re-phase is done once or
twice for a particular loan.
of resulting information
The Management of the LD mainly
uses the resulting information of the Loan Department. Besides the Over Due
Section uses the resulting information from Not Due section. The final resulting
information also goes to the Central Accounting Department.
Problems and its effect
The main problem they face is that
for manual system, each process becomes very time consuming. Then in the
paper-based system other problems they face are:
documents, stake of files that is very difficult to maintain.
manpower so more cost, are needed in every step to manage all of these.
documents are unsecured.
The reason for these problem is that the Bank’s activities
is expanding day by day but they still use the paper base manual system to mange
all the transaction and information.
Studies to determine the advantages
or disadvantages, practicability, or capability of accomplishing a projected
plan, study, or project is known as Feasibility Study. If the proposed system is
not feasible then there is total waste of both time and money. That’s why I
had to study the feasibility of the proposed system.
The outcome of my studies are-
Feasibility concerned with the possibility of whether the proposed solution can
be implemented with the available hardware, software and technical resources.
The system that I have designed is
for network environment. So many user can use this application but the data
storage will in the server pc only. Loan Management System is one of the modules
of Bank Management System. Some modules like- Project Information System,
Payroll system, Employee Management System had already exist there.
So the necessary hardware, software and technical resources for my
proposed solution were available there. The existing resources are:
A computer section having
Most of them configured
with Pentium 111 processors, 128 Ram and 40 GB Hard Disk, which is suitable to
run my system.
IBM Server (Processor
Intel Xeon–1.60 GHz, RAM- 1048060 KB, HDD- 80 GB).
All of these computers are
connected with the main server.
System software are
Windows 2000 Server, Oracle 8i, Developer 2000, MS Office 2000
my System is technically feasible for this organization because it can be easily
installed in the present hardware and software environment.
feasibility determines whether the benefits of a proposed solution out-weight
Implementation of my proposed system will
ensure the best possible performance. This increase in performance will optimize
the overall productivity and throughput of the mentioned resources. The Loan
Management System is economically feasible in this concern.
Operation Feasibility determines
whether the proposed solution is desirable within the existing managerial and
The Loan Management System is easy to use. The user does not need any costly training to operate this system. However the new users must have computer operation knowledge especially on Windows platform. As is common for any new software at the beginning things may appear a little unfamiliar. But the system is gradually used it will be found to be quiet easy to operate. And the user will become skilled in it automatically. It will take a few days to learn the operation of this new system. The output of this system will be useful for the relevant department and for the management for taking decisions.
Client Apply For project Loan
Client Receives Money from Bank Client returns Money in Installment
Figure: 3.1 Rich Picture of Loan Management System