<!

-- Content Wrapper -->

<div id="content-wrapper" class="d-flex flex-column">

<!-- Main Content -->

<div id="content">

<!-- Topbar -->

<nav class="navbar navbar-expand navbar-light bg-white topbar mb-4 static-top
shadow">

<!-- Sidebar Toggle (Topbar) -->

<button id="sidebarToggleTop" class="btn btn-link d-md-none rounded-circle
mr-3">
<i class="fa fa-bars"></i>
</button>

<!-- Topbar Navbar -->

<ul class="navbar-nav ml-auto">

<!-- Nav Item - User Information -->

<li class="nav-item dropdown no-arrow">
<a class="nav-link dropdown-toggle" href="#" id="userDropdown"
role="button"
data-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
<span class="mr-2 d-none d-lg-inline text-gray-600 small"><?php echo
$db->user_acc($_SESSION['user_id'])?></span>
<img class="img-profile rounded-circle"
src="image/admin_profile.svg">
</a>
<!-- Dropdown - User Information -->
<div class="dropdown-menu dropdown-menu-right shadow animated--
grow-in"
aria-labelledby="userDropdown">
<a class="dropdown-item" href="#" data-toggle="modal" data-
target="#logoutModal">
<i class="fas fa-sign-out-alt fa-sm fa-fw mr-2 text-gray-400"></i>
Logout
</a>
</div>
</li>

</ul>

</nav>
<!-- End of Topbar -->

<!-- Begin Page Content -->

<div class="container-fluid">

42
 <!-- Page Heading -->
<div class="d-sm-flex align-items-center justify-content-between mb-4">
<h1 class="h3 mb-0 text-gray-800">Dashboard</h1>
</div>

<!-- Content Row -->

<div class="row">

<div class="col-xl-4 col-md-4 mb-4">

<div class="card border-left-primary shadow h-100 py-2">
<div class="card-body">
<div class="row no-gutters align-items-center">
<div class="col mr-2">
<div class="text-xs font-weight-bold text-primary text-uppercase
mb-1">
Active Loans</div>
<div class="h1 mb-0 font-weight-bold text-gray-800">

<?php

$tbl_loan=$db->conn->query("SELECT * FROM `loan` WHERE `status`='2'");

echo $tbl_loan->num_rows > 0 ? $tbl_loan->num_rows : "0";

?>
</div>
</div>
<div class="col-auto">
<i class="fas fa-fw fas fa-comment-dollar fa-2x text-gray-
300"></i>
</div>
</div>
</div>
<div class="card-footer d-flex
align-items-center justify-content-between">
<a class="small stretched-
link" href="loan.php">View Loan List</a>
<div class="small">
<i class="fa fa-
angle-right"></i>
</div>
</div>
</div>
</div>

<div class="col-xl-4 col-md-4 mb-4">

<div class="card border-left-success shadow h-100 py-2">
<div class="card-body">

43
 <div class="row no-gutters align-items-center">
<div class="col mr-2">
<div class="text-xs font-weight-bold text-success text-uppercase
mb-1">
Payments Today</div>
<div class="h1 mb-0 font-weight-bold text-gray-800">

<?php

$tbl_payment=$db->conn->query("SELECT sum(pay_amount) as total FROM

`payment` WHERE date(date_created)='".date("Y-m-d")."'");

echo $tbl_payment->num_rows > 0 ? "&#8377; ".number_format($tbl_payment-

>fetch_array()['total'],2) : "&#8377; 0.00";
?>
</div>
</div>
<div class="col-auto">
<i class="fas fa-fw fas fa-coins fa-2x text-gray-300"></i>
</div>
</div>
</div>
<div class="card-footer d-flex
align-items-center justify-content-between">
<a class="small stretched-
link" href="payment.php">View Payments</a>
<div class="small">
<i class="fa fa-
angle-right"></i>
</div>
</div>
</div>
</div>

<div class="col-xl-4 col-md-4 mb-4">

<div class="card border-left-info shadow h-100 py-2">
<div class="card-body">
<div class="row no-gutters align-items-center">
<div class="col mr-2">
<div class="text-xs font-weight-bold text-info text-uppercase mb-
1">Borrowers
</div>
<div class="row no-gutters align-items-center">
<div class="col-auto">
<div class="h1 mb-0 mr-3 font-weight-bold text-gray-800">

<?php

$tbl_borrower=$db->conn->query("SELECT * FROM `borrower`");

44
 echo $tbl_borrower->num_rows > 0 ? $tbl_borrower->num_rows :
"0";

?>

</div>
</div>
</div>
</div>
<div class="col-auto">
<i class="fas fa-fw fas fa-book fa-2x text-gray-300"></i>
</div>
</div>
</div>
<div class="card-footer d-flex
align-items-center justify-content-between">
<a class="small stretched-
link" href="borrower.php">View Borrowers</a>
<div class="small">
<i class="fa fa-
angle-right"></i>
</div>
</div>
</div>
</div>
</div>
</div>
<!-- End of Main Content -->

<!-- Footer -->

<footer class="stocky-footer">
<div class="container my-auto">
<div class="copyright text-center my-auto">
<span>Copyright &copy; Loan Management System <?php echo
date("Y")?></span>
</div>
</div>
</footer>
<!-- End of Footer -->

</div>
<!-- End of Content Wrapper -->

</div>
<!-- End of Page Wrapper -->

<!-- Scroll to Top Button-->

<a class="scroll-to-top rounded" href="#page-top">
<i class="fas fa-angle-up"></i>

45
 </a>

<!-- Logout Modal-->

<div class="modal fade" id="logoutModal" tabindex="-1" aria-hidden="true">
<div class="modal-dialog">
<div class="modal-content">
<div class="modal-header bg-danger">
<h5 class="modal-title text-white">System Information</h5>
<button class="close" type="button" data-dismiss="modal" aria-label="Close">
<span aria-hidden="true">×</span>
</button>
</div>
<div class="modal-body">Are you sure you want to logout?</div>
<div class="modal-footer">
<button class="btn btn-secondary" type="button" data-
dismiss="modal">Cancel</button>
<a class="btn btn-danger" href="logout.php">Logout</a>
</div>
</div>
</div>
</div>
<button class="chatbot-toggler">
<span class="material-symbols-rounded">mode_comment</span>
<span class="material-symbols-outlined">close</span>
</button>
<div class="chatbot">
<header>
<h2>Chatbot</h2>
<span class="close-btn material-symbols-outlined">close</span>
</header>
<ul class="chatbox">
<li class="chat incoming">
<span class="material-symbols-outlined">smart_toy</span>
<p>Hi there <br>How can I help you today?</p>
</li>
</ul>
<div class="chat-input">
<textarea placeholder="Enter a message..." spellcheck="false" required></textarea>
<span id="send-btn" class="material-symbols-rounded">send</span>
</div>
</div>

<!-- Bootstrap core JavaScript-->

<script src="js/jquery.js"></script>
<script src="js/bootstrap.bundle.js"></script>

<!-- Core plugin JavaScript-->

<script src="js/jquery.easing.js"></script>

<!-- Custom scripts for all pages-->

46
 <script src="js/sb-admin-2.js"></script>

</body>

</html>

CONCLUSION

47
 10. CONCLUSION

The development of the Loan Management System represents a significant step towards
modernizing and streamlining loan operations for lending institutions. By leveraging web-
based technologies and automation, this system aims to address the shortcomings of
traditional loan management methods and provide a more efficient, transparent, and user-
friendly platform for both lenders and borrowers.

Throughout this project, we have analyzed the current challenges faced by loan management
systems, including manual processes, delays in processing, lack of transparency, and
compliance issues. We have identified the key requirements and functionalities necessary to
overcome these challenges, such as automated loan processes, real-time tracking, robust
security measures, and comprehensive reporting capabilities.

By adopting a modular and scalable architecture, the Loan Management System can adapt to
the evolving needs of lending institutions while ensuring reliability, performance, and
compliance with regulatory requirements. Through careful planning, development, and
implementation, this system has the potential to improve operational efficiency, enhance
customer experience, and support the growth and sustainability of lending institutions in the
increasingly digital financial landscape.

In summary, the Loan Management System represents a valuable investment in modernizing

loan operations, improving organizational effectiveness, and ultimately, better serving the
needs of borrowers and lenders alike. With continued refinement and optimization, this
system has the potential to make a positive impact on the financial industry by facilitating
responsible lending practices, fostering financial inclusion, and driving economic growth.

48
REFERENCES

49
 11.REFERENCES

1. Books:
o "Principles of Finance" by Scott Besley and Eugene F. Brigham
o "Web Development with PHP and MySQL" by Luke Welling and Laura
Thomson
o "Clean Code: A Handbook of Agile Software Craftsmanship" by Robert C.
Martin
2. Academic Papers:
o "A Review of Loan Portfolio Management" by João A. C. Santos (Journal of
Credit Risk, 2001)
o "Design and Implementation of Online Loan Application and Management
System" by Nwoye, N. J., Ani, C. A., & Ezugwu, C. A. (International Journal
of Computer Applications, 2015)
3. Online Resources:
o Documentation and tutorials from PHP.net, MySQL.com, and JavaScript
MDN (Mozilla Developer Network)
o Web development blogs and forums such as Stack Overflow, CSS-Tricks, and
Smashing Magazine
4. Regulatory Guidelines:
o Guidelines from regulatory bodies such as the Consumer Financial Protection
Bureau (CFPB) or the Federal Deposit Insurance Corporation (FDIC) in the
United States, or the Financial Conduct Authority (FCA) in the UK
5. Industry Reports:
o Reports from financial institutions, consulting firms, or industry associations
on loan management trends, challenges, and best practices
6. Case Studies:
o Case studies from financial institutions or fintech companies that have
implemented loan management systems or similar projects
7. White Papers:
o White papers published by software vendors or technology providers on loan
management solutions, software development methodologies, or cybersecurity
practices
8. API Documentation:
o Documentation for any third-party APIs or services you may integrate with,
such as payment gateways or credit scoring APIs
9. Standards and Guidelines:
o Standards documents such as the OpenAPI Specification for API design, or
guidelines like OWASP (Open Web Application Security Project) for web
application security

50
 10. Interviews or Expert Consultations:
o Insights gained from interviews with industry experts, professors, or
professionals working in finance, web development, or related fields

Ensure that you cite these references appropriately in your project documentation to give
credit to the original sources and to support the credibility of your work.

FURTHER ENHANCEMENT

51
 12. Future Enhancements
To maintain its relevance and effectiveness, the Loan Management System should
consider the following future enhancements:
 Mobile Application Development:
Developing mobile apps for Android and iOS to provide borrowers and loan officers with
more convenient access to the system.

 AI and Machine Learning Integration:

Implementing AI for better risk assessment, fraud detection, and personalized loan offerings.

 Blockchain Integration:
Using blockchain technology to enhance security and transparency in loan transactions and
record-keeping.

 Enhanced Customer Support:

Integrating chatbots and AI-driven customer support to provide instant assistance to users.

 Advanced Analytics:
Developing more sophisticated analytics tools for predictive analysis and better decision-
making.

 Multi-Language Support:
Adding support for multiple languages to cater to a wider user base.

Implementation Plan

Phase 1: Requirements Analysis

Conduct detailed requirements gathering from stakeholders.

Define system specifications and design architecture.

Phase 2: System Design

52
Create wireframes and prototypes for user interfaces.

Design database schema and establish integration points.

Phase 3: Development
Develop each module (application, approval, disbursement, repayment, reporting, user
management, system integration) in iterative cycles.

Conduct unit and integration testing for each module.

Phase 4: Testing
Perform comprehensive system testing, including security and performance testing.

Conduct user acceptance testing (UAT) with key stakeholders.

Phase 5: Deployment
Deploy the system to a production environment.

Ensure proper data migration from existing systems if applicable.

Phase 6: Training and Support

Provide training sessions for end-users and administrators.

Set up a support system for handling user queries and issues.

Phase 7: Maintenance and Updates

Regularly update the system with new features and security patches.

Monitor system performance and user feedback for continuous improvement.

The Loan Management System represents a significant advancement in the way lending
institutions manage their operations. By automating key processes and providing a secure,
user-friendly platform, this system can significantly enhance efficiency, transparency, and
customer satisfaction. As the financial landscape continues to evolve, the system's scalable
and flexible architecture will ensure it remains a valuable tool for lenders, helping them meet
the demands of a dynamic market. With planned future enhancements, the system will
continue to leverage emerging technologies, maintaining its position at the forefront of loan
management solutions.

53
APPENDIX

54
 Appendix

Source Code:
https://github.com/MaddyMD97/Loan_Managemant_System

55