关键词
How to Cite
Publication Snapshot
Upcoming Issue
J-HyTEL welcomes original and rigorous scholarship advancing education, media technology, and computer science applications.
Rolling submissions are accepted throughout the year.
摘要
本研究介绍了一款面向储蓄与贷款合作社的基于Web的应用程序，该应用程序集成了支付网关，旨在简化金融交易并提高运营效率。该应用程序采用瀑布模型开发，使成员能够在线存入储蓄、申请贷款并进行分期付款。 主要功能包括自动化财务报表生成、安全交易处理，以及为合作社管理人员和成员提供便捷的访问通道。黑盒测试验证了该系统满足所有功能需求，确保了运行的可靠性和安全性。 该应用程序通过自动化行政任务并提供多种支付选项（如银行转账和电子钱包），有效减轻了运营工作量，提升了服务质量，并支持实时财务透明度。该解决方案提供了一个可扩展、用户友好且安全的平台，既能增强会员服务，又能促进运营的可持续性，展现了变革合作社财务管理的巨大潜力。
RIS is compatible with Zotero, Mendeley, and EndNote. Immediate opening depends on the visitor's browser and reference-manager settings.
Declarations reported in the published article
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 18参考
25 References[1] A. Al-Khowarizmi, R. Syah, and M. Elveny, “The Model of Business Intelligence Development by Applying Cooperative Society Based Financial Technology,” Lect. Notes Networks Syst., vol. 235, pp. 117–125, 2022. https://doi.org/10.1007/978-981-16-2377-6_13
[2] A. Purmiyati, R. D. Handoyo, and Wisudanto, “Technical efficiency analysis: Management factor as determinants of saving and credit cooperatives’ health,” J. Co-op. Organ. Manag., vol. 10, no. 2, p. 100186, Dec. 2022. https://doi.org/10.1016/J.JCOM.2022.100186
[3] D. McKillop, D. French, B. Quinn, A. L. Sobiech, and J. O. S. Wilson, “Cooperative financial institutions: A review of the literature,” Int. Rev. Financ. Anal., vol. 71, p. 101520, Oct. 2020. https://doi.org/10.1016/J.IRFA.2020.101520
[4] D. J. Bunders, M. Arets, K. Frenken, and T. De Moor, “The feasibility of platform cooperatives in the gig economy,” J. Co-op. Organ. Manag., vol. 10, no. 1, p. 100167, Jun. 2022. https://doi.org/10.1016/J.JCOM.2022.100167
[5] A. E. Lamidi and B. Briggeman, “Feasibility of a purchasing cooperative for rural grocery stores: the case of Rural Access Distribution Cooperative North Dakota & exploring purchasing cooperative model for rural grocers in Southeast Kansas.” 2024. https://hdl.handle.net/2097/44284
[6] H. Taherdoost, “Billing and Payment Systems,” EAI/Springer Innov. Commun. Comput., vol. Part F1354, pp. 137–162, 2023. https://doi.org/10.1007/978-3-031-39626-7_6
[7] D. C. Khedekar, A. C. Truco, D. A. Oteyza, and G. F. Huertas, “Home Automation—A Fast-Expanding Market,” Thunderbird Int. Bus. Rev., vol. 59, no. 1, pp. 79–91, Jan. 2017. https://doi.org/10.1002/TIE.21829
[8] Y. Yadav, J. Fernandez da Ponte, and A. Davine Kim, “Payments and the Evolution of Stablecoins and CBDCs in the Global Economy,” SSRN Electron. J., Apr. 2023. https://doi.org/10.2139/SSRN.4425922
[9] Y. E. Nisrina, W. Hayuhardhika, N. Putra, and B. T. Hanggara, “Pengembangan E-Commerce Dengan Pemanfaatan Sistem Payment Gateway (Studi Kasus: Wisata Kampung Sapi Adventure),” J. Pengemb. Teknol. Inf. dan Ilmu Komput., vol. 3, no. 10, pp. 9419–9425, 2019. https://j-ptiik.ub.ac.id/index.php/j-ptiik/article/view/6442
[10] B. Naqvi, N. Clarke, and J. Porras, “Incorporating the human facet of security in developing systems and services,” Inf. Comput. Secur., vol. 29, no. 1, pp. 49–72, 2020. https://doi.org/10.1108/ICS-11-2019-0130
[11] N. Sun et al., “Defining Security Requirements With the Common Criteria: Applications, Adoptions, and Challenges,” IEEE Access, vol. 10, pp. 44756–44777, 2022. https://doi.org/10.1109/ACCESS.2022.3168716
[12] Y. A. Pratama, P. W. Laksono, and E. Liquiddanu, “Web Design: Develop the Decision Support System for Judgement Additional Order (JAO) Using Waterfall Method,” Lect. Notes Mech. Eng., pp. 257–269, 2023. https://doi.org/10.1007/978-981-99-1245-2_24
[13] O. E. Olorunshola and F. N. Ogwueleka, “Review of System Development Life Cycle (SDLC) Models for Effective Application Delivery,” Lect. Notes Networks Syst., vol. 191, pp. 281–289, 2022. https://doi.org/10.1007/978-981-16-0739-4_28
[14] S. Khulbe, D. Gumber, and S. Pratap Singh, “Development of an Online Collectable Items Marketplace Using Modern Practices of SDLC and Web Technologies,” Lect. Notes Networks Syst., vol. 796, pp. 61–73, 2024. https://doi.org/10.1007/978-981-99-6906-7_6
[15] A. Abdilah, E. Nurlelah, F. N. Hasan, and D. Y. Utami, “Aplikasi Sistem Informasi Koperasi Simpan Pinjam Berbasis Web Pada PT. Mitraindo Sejahtera Utama Tangerang,” J. Khatulistiwa Inform., vol. 8, no. 1, pp. 61–68, 2022.
[16] J. D. Mulyanto, F. Zahra, S. Nusa, and M. Jakarta, “Sistem Informasi Pelayanan Pasien Berbasis Website Pada Puskesmas II Baturraden,” Indones. J. Softw. Eng., vol. 5, no. 2, pp. 121–134, Dec. 2019. https://doi.org/10.31294/IJSE.V5I2.7097
[17] N. Prima and A. Hadi, “Rancang Bangun Sistem Informasi E-Commerce di UKM Aneka Kebaya Berbasis Web ‘(Studi Kasus : Baju Kebaya dan Rok Batik di Koto Tangah Simalanggang),’” J. Pendidik. Tambusai, vol. 6, no. 1, pp. 1029–1035, Feb. 2022. https://doi.org/10.31004/JPTAM.V6I1.3061
[18] Ahmad Masrud Mubarok and Eva Handriyantini, "Perancangan Aplikasi Online Course Menggunakan API Midtrans Sebagai Payment Gateway Berbasis Android," Prosiding SISFOTEK, vol. 5, no. 1, pp. 83-88, 2021. http://seminar.iaii.or.id/index.php/SISFOTEK/article/view/263
[19] R. N. Kulkarni and C. K. Srinivasa, “Abstraction of Activity Diagram from Sequence Diagram,” Lect. Notes Networks Syst., vol. 446, pp. 145–156, 2022. https://doi.org/10.1007/978-981-19-1559-8_15
[20] G. Saputri and E. Sita Eriana, “Implementasi Metode Waterfall Pada Perancangan Sistem Informasi Koperasi Simpan Pinjam Berbasis Web Dan Android (Studi Kasus PT. PEB),” J. Tek. Inform., vol. 13, no. 2, pp. 133–146, Feb. 2020. https://doi.org/10.15408/JTI.V13I2.17537
[21] S. S. Romadhon and Desmulyati, "Perancangan Website Sistem Informasi Simpan Pinjam Menggunakan Framework CodeIgniter Pada Koperasi Bumi Sejahtera Jakarta," Journal of Information System, Informatics and Computing, vol. 3, no. 1, pp. 21-28, Feb. 2019. https://journal.stmikjayakarta.ac.id/index.php/jisicom/article/view/69
[22] M. R. Vicky and L. Septiana, “Perancangan Sistem Informasi Koperasi Simpan Pinjam Berbasis Web Pada Koperasi Hutan Lestari Jakarta,” J. Manajamen Inform. Jayakarta, vol. 1, no. 3, pp. 208–219, Jul. 2021. https://doi.org/10.52362/JMIJAYAKARTA.V1I3.488
[23] D. S. M. Diky Alhafizh, “Pemanfaatan Teknologi Berbasis Web Sistem Informasi Koperasi Syariah Pada Pengadilan Agama Pekanbaru: AMIK Mahaputra Riau,” J. Intra Tech, vol. 3, no. 2, pp. 42–53, Oct. 2019. https://doi.org/10.37030/JIT.V3I2.51
[24] A. Mukhlis, M. Ridwan, and H. K. Anam, “Rancang Bangun Aplikasi Penjualan Menggunakan Payment Gateway Berbasis Android,” J. Ilm. Fak. Tek., vol. 2, no. 2, pp. 113–122, 2021. https://ejournal.unis.ac.id/index.php/jimtek/article/view/1691
[25] Yogi and S. Topiq, “Aplikasi Platform Web Koperasi Simpan Pinjam Menggunakan Framework Laravel Dengan Metode Scrum,” eProsiding Tek. Inform., vol. 2, no. 1, pp. 154–157, Jul. 2021. https://eprosiding.ars.ac.id/index.php/pti/article/view/337
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