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Abstrak
Penelitian ini memperkenalkan aplikasi berbasis web untuk koperasi simpan pinjam, yang mengintegrasikan gerbang pembayaran untuk memperlancar transaksi keuangan dan meningkatkan efisiensi operasional. Dikembangkan menggunakan metodologi waterfall, aplikasi ini memungkinkan anggota untuk menyetor tabungan, mengajukan pinjaman, dan melakukan pembayaran cicilan secara online. Fitur utamanya meliputi pelaporan keuangan otomatis, pemrosesan transaksi yang aman, serta aksesibilitas bagi pengelola koperasi dan anggotanya. Pengujian black-box telah memvalidasi bahwa sistem ini memenuhi semua persyaratan fungsional, sehingga menjamin operasi yang andal dan aman. Aplikasi ini mengurangi beban kerja operasional, meningkatkan kualitas layanan, dan mendukung transparansi keuangan secara real-time dengan mengotomatiskan tugas-tugas administratif serta menawarkan berbagai opsi pembayaran—seperti transfer bank dan dompet digital. Solusi ini menunjukkan potensi yang signifikan untuk mentransformasi manajemen keuangan koperasi dengan menyediakan platform yang dapat diskalakan, ramah pengguna, dan aman, yang meningkatkan layanan bagi anggota serta mendorong keberlanjutan operasional.
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Author Contributions
Ridho Hakiki: Conceptualization, Methodology, Software, Investigation, Data Curation, Visualization, Writing - Original Draft, Writing - Review & Editing. Vera Irma Delianti: Supervision, Validation, Formal Analysis. Rizkayeni Marta: Supervision, Validation, Formal Analysis. Juan Luis Cabanillas- García: Formal Analysis, Writing - Review & Editing. Vladislav Deyanov Slavov: Formal Analysis, Writing - Review & Editing. Siti Afiat Jalil: Formal Analysis. All authors have read and approved the final version of this manuscript.
Acknowledgments
The authors thank all individuals, institutions, and external collaborators who provided invaluable support and expertise throughout the research process. Their contributions greatly enhanced the quality and depth of this study.
View statement in PDF · PDF page 18Ethics Approval
This study did not involve human or animal participants; therefore, ethical approval was not required.
View statement in PDF · PDF page 18Pendanaan
The authors declare that this research received no external funding or financial support from any organization or institution. All aspects of the research, including data collection, analysis, and manuscript preparation, were carried out independently without the aid of any grants or sponsorships.
View statement in PDF · PDF page 18Konflik Kepentingan
The authors confirm that there are no conflicts of interest.
View statement in PDF · PDF page 18Generative AI Disclosure
In the final stages of preparing this manuscript, the author(s) utilized Grammarly as a tool to improve readability, coherence, and linguistic precision. Specifically, Grammarly was employed to identify and rectify issues related to grammar, punctuation, sentence structure, and style. Following this, a comprehensive review and manual editing were performed to ensure that the content aligned with the authors’ intent and met the standards of academic writing. The author(s) take full responsibility for the accuracy, content, and conclusions presented in the manuscript, with the final version being thoroughly vetted for clarity, consistency, and scholarly integrity.
View statement in PDF · PDF page 18Referensi
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Copyright and License
Artikel ini berlisensi Creative Commons Attribution 4.0 International License.
Hak Cipta (c) 2025 Ridho Hakiki, Vera Irma Delianti, Rizkayeni Marta, Juan Luis Cabanillas-García, Vladislav Deyanov Slavov, Siti ‘Afiat Jalil