Design of a Web-Based Savings and Loan Information System for Lolong Village-Owned Enterprise

This study focuses on designing and implementing a web-based savings and loan information system for the Village-Owned Enterprise (BUMDes) in Lolong Village, Nagawutung Subdistrict, Lembata Regency, East Nusa Tenggara. The system addresses inefficiencies in manual financial management, previously reliant on notebooks and spreadsheet software, by utilizing PHP and MySQL to streamline the handling of member data, savings, loans, and installment records. A modified Waterfall methodology guides the development process, employing a structured sequence of stages to ensure alignment with operational needs. Unified Modeling Language (UML) diagrams, including Use Case and Activity Diagrams, map user interactions and process workflows, facilitating a clear design framework. Data collection, conducted between April and May 2023, involved observing operational challenges and gathering requirements to create an intuitive interface accessible through web browsers. The system enables administrators to process transactions rapidly and accurately, while members can view their savings and loan details via personal accounts, fostering greater transparency in village financial operations. Compared to earlier manual methods, the system minimizes errors and reduces risks of mismanagement, offering a reliable tool for rural financial administration. Challenges such as managing credit risks and ensuring user adoption highlight the need for additional features, such as enhanced security measures like two-factor authentication and comprehensive user training programs. The resulting system provides a scalable solution for improving financial management in rural settings, with opportunities for future enhancements to support long-term sustainability and broader community participation in economic activities.