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본 연구는 금융 거래를 간소화하고 운영 효율성을 높이기 위해 결제 게이트웨이를 통합한 저축 및 대출 협동조합용 웹 기반 애플리케이션을 소개한다. 워터폴 방법론을 사용하여 개발된 이 애플리케이션을 통해 조합원들은 온라인으로 예금을 입금하고, 대출을 신청하며, 할부 상환을 할 수 있다. 주요 기능으로는 자동화된 재무 보고, 안전한 거래 처리, 협동조합 관리자 및 회원의 접근성 등이 포함됩니다. 블랙박스 테스트를 통해 시스템이 모든 기능적 요구 사항을 충족함을 검증하여, 신뢰할 수 있고 안전한 운영을 보장합니다. 이 애플리케이션은 행정 업무를 자동화하고 은행 송금 및 전자 지갑과 같은 다양한 결제 옵션을 제공함으로써 운영 업무 부담을 줄이고, 서비스 품질을 향상시키며, 실시간 재무 투명성을 지원합니다. 이 솔루션은 회원 서비스를 강화하고 운영의 지속 가능성을 증진시키는 확장 가능하고 사용자 친화적이며 안전한 플랫폼을 제공함으로써, 협동조합의 재무 관리를 혁신할 상당한 잠재력을 보여줍니다.
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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 18Funding
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 18Competing Interests
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 18References
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Copyright and License
This work is licensed under a Creative Commons Attribution 4.0 International License.
Copyright (c) 2025 Ridho Hakiki, Vera Irma Delianti, Rizkayeni Marta, Juan Luis Cabanillas-García, Vladislav Deyanov Slavov, Siti ‘Afiat Jalil