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Abstract
This study introduces a web-based application for savings and loan cooperatives, integrating a payment gateway to streamline financial transactions and improve operational efficiency. Developed using the waterfall methodology, the application enables members to deposit savings, apply for loans, and make installment payments online. Key features include automated financial reporting, secure transaction processing, and accessibility for cooperative managers and members. Black-box testing validated that the system met all functional requirements, ensuring reliable and secure operations. The application reduces operational workload, improves service quality, and supports real-time financial transparency by automating administrative tasks and offering multiple payment options—such as bank transfers and e-wallets. This solution demonstrates significant potential for transforming cooperative financial management by providing a scalable, user-friendly, and secure platform that enhances member services and promotes operational sustainability.
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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