:: Functional Requirements ::

1. Login

2. Customer Details Management

3. Application Processing

4. Approved Loan Management

5. Loan Account Management

6. Transaction Processing

7. Month-end Interest Calculation

8. Report Generation

9. User Maintenance

10. Logout

1. Login :

The system must provide a means for valid user to access to the system.

1.1. Internal / external users shall be able to access to the system by using a valid user ID and password.

2. Customer Details Management :

The system must provide a means of accessing and managing all the customers' details / information.

2.1. The external users shall be able to submit new customer information through web form.
2.2. The internal users shall be able to add, edit and delete customer record(s).
2.3. The internal users shall be able to search a customer record based on various categories / criteria such as by ID, fund type, account number and etc.
2.4. The internal users shall be able to view and print customer records.

3. Application Processing :

The system must be able to facilitate the loan approval process by providing services such as loan application downloading or extracting, application processing and application inquiry.

3.1. In order to process the loan application, the system shall enable internal users to extract and download all the application submission files.
3.2. The internal users shall be able to view all the loan application information and also the project details of an applicant such as project to be finance, amount applied and etc.
3.3. The system shall be able to attach customer information to the loan application for the approval processing.
3.4. Each qualified and validated loan application will be approved by the internal users through the facilities provided by the system
3.5. The unsuccessful application will be rejected and a report will be automatically generated by the system to the applicants or internal users for reference.
3.6. The external users shall be able to view and make any loan application inquiry.

4. Approved Loan Management :

The system must provide a means of managing the approved loan such as facilities for loan status update.

4.1. The internal users shall be able to update the status and top up loan application amount.
4.2. The internal users shall be able to reinstate a particular loan application.
4.3. The internal users shall be able to withdraw a particular loan application.
4.4. The internal users shall be able to cancel a particular loan application.
4.5. The internal users shall be able to top up or reduce approved amount for a particular loan application.

5. Loan Account Management :

The system must provide facilities for loan account creation and inquiry.

5.1. The internal users shall be able to create a new loan account for approved applicant.
5.2. A search function shall be provided for internal users to search for customer information such as profile of a particular customer.
5.3. The internal users shall be able to view and print loan account creation report which contains the details generated during the account creation process.
5.4. The internal users shall be able to search and view for an existing loan account.

6. Transaction Processing :

The system must provide a means for internal / external users to manage and process various transaction activities.

6.1. The internal users shall be able to extract and download transaction submission file and also the various transaction details.
6.2. A means shall be provided for internal users to post transaction.
6.3. The internal users shall be able to add, edit and delete disbursement or repayment transaction.
6.4. The internal users shall be able to view and print disbursement or repayment transaction.
6.5. Facilities shall be provided to facilitate the transaction approval process.
6.6. A means shall be provided where transaction can be updated with relevant information whenever the needs arise.
6.7. The system shall be able to process maturity transaction.

7. Month-end Interest Calculation :

The system must be able to facilitate the month-end interest calculation process.

7.1. The internal users shall be able to extract all the details / information needed for interest calculation.
7.2. The system must provide a function to calculate interest base on the extracted information.

8. Report Generation :

The system must be able to facilitate the generation of various reports for top management analysis and decision making.

8.1. The system shall provide / generate reports for internal users such as :

8.1.1. Details listing of applications ( applications that have been cancelled, rejected, approved or withdrawn )
8.1.2. Status report on funds
8.1.3. Detail list of loan maturing
8.1.4. Listing of matured loans
8.1.5. Listing of loans yet to be disbursed
8.1.6. Report on interest calculated for loans
8.1.7. Approval / rejected letter

9. User Maintenance :

The system shall be able to provide a means of maintaining and managing all the system users' account.

9.1. The internal users shall be able to add, edit and delete a system user.
9.2. The system shall allow the internal / external users change their login password for security purpose.
9.3. The system shall be able to generate external users' activity log report.

10. Logout :

The system must provide a means for users to log out securely from the system.

10.1 After transaction, internal / external users shall be able to log out from the system.