Web-Based Credit Approval System At Bank Credit

International Journal of Computer Trends and Technology (IJCTT)          
© 2016 by IJCTT Journal
Volume-39 Number-2
Year of Publication : 2016
Authors : Andi Nugroho, Andreas Edi Setiawan


Andi Nugroho, Andreas Edi Setiawan "Web-Based Credit Approval System At Bank Credit". International Journal of Computer Trends and Technology (IJCTT) V39(2):114-122, September 2016. ISSN:2231-2803. www.ijcttjournal.org. Published by Seventh Sense Research Group.

Abstract -
The use of ICT in finance business is now growing significantly, especially in vehicle mortgage loan. In today’s ICT, an online integrated system can improve the effectiveness of existing business processes. ICT is used to facilitate the whole process so much better than before. In granting loans, companies need to identify potential clients first before giving a credit facility. Customers who ever rejected or bad debt customers are blacklisted customer. In existing systems in Bank Credit, blacklisted customers can apply credit facility to other branches office and unrecognized as blacklisted customer. At Bank Credit, they have asystem to calculate or to score customer’s properness and a systemfor credit approval that arecompletely separated. Prospective customers will be surveyed and scored. And then go through manual approval process. Therefore, they need to develop an integrated system that can simplify their business process. The system that is being developed in this case is using a waterfall model. This thesis report will describes activities for each development stage. Design and implementation of this system is limited to; blacklisted customer checks, credit application, scoring, approval, disbursement and reporting sales. At the final stage of system development is evaluating the system’s process and output. What are the things that have been done and what has not been done on the development of this system will be reviewed at the end of this thesis.

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Credit Application, Approval, and Fund Tranfer.