Online Sacco System 482x1v

ONLINE SACCO SYSTEM FOR EFFICIENT TRANSPORT SERVICES (A CASE OF BAMBU INVESTMENT LIMITED)

DAVID GESORA ASANYO

System project proposal submitted to School of Human Resource and Development (SHRD) in partial fulfilment of the requirements for the award of a degree in Bachelor of Information and Technology of The Jomo Kenyatta University of Agriculture and Technology

October, 2015

DECLARATION

The System project proposal is my original work and has not been presented for a degree in any other University DAVID ASANYO (REGISTRATION NUMBER: HD232-C005-0831/2011)

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Signature

Date

This System project proposal has been submitted for examination with my approval as University Supervisor

NICHOLAS NGOMBO JEFWA

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Signature

Date

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ABSTRACT

Online Management Information System for improved efficiency in transport Sacco service is a system developed to aid the Bambu Investment Sacco Limited management. The main objective of this project is to develop and test an effective Online System for efficient transport SACCO management and specifically; to identify the services offered by transport SACCOs and hence develop an effective Online System, to determine the preferred functionality features of the proposed system that improve the online System to identify the required platforms most preferred by the s and to identify the necessary features for the acceptable interface. The methodology being applied in this system is the Rapid Application Development (RAD) as it ensures fast development of the system. RAD is a development lifecycle designed to give much faster development and higher-quality results than those achieved with the traditional lifecycle. The sampling technique that will be employed is the Simple Random Sampling Technique. The study will have a sample population of 150 people where the researcher will take 30% of the sample size and ister 30 questionnaire to the of the Sacco and 15 questionnaire to the drivers. After carefully analysis of the environment and collection of data, implementation of the project will take place. This will involve construction of the system itself and testing it to ensure that it properly works and is well received by the s for validation The importance of the results from this project will enable us to identify if the respondent were satisfied with the functional features, interface, navigation design and the platform used.

TABLE OF CONTENT 2

DECLARATION..............................................................................................................................i ABSTRACT....................................................................................................................................ii LIST OF TABLES.........................................................................................................................vii LIST OF FIGURES.......................................................................................................................vii ACRONYMS...............................................................................................................................viii CHAPTER ONE............................................................................................................................1 1.1 Introduction................................................................................................................................1 1.2 Background statement...............................................................................................................2 1.3 Statement of the problem...........................................................................................................3 1.4 Objectives..................................................................................................................................3 1.4.1. General objective.......................................................................................... 3 1.4.2. Specific objectives......................................................................................... 4

1.5 Research questions.....................................................................................................................4 1.6 Scope of the study......................................................................................................................4 1.7 Justification of the study............................................................................................................5 1.8 Significance of the study...........................................................................................................5 1.9 Limitations.................................................................................................................................6 CHAPTER TWO...........................................................................................................................7 LITERATURE REVIEW.................................................................................................................7 2.1 Introduction................................................................................................................................7 2.2 Theoretical Review....................................................................................................................8 2.2.1 Conceptual framework................................................................................... 8 2.2.2 Conceptual Model........................................................................................... 8 2.2.3 Online system for transport content...............................................................9 2.2.4 System functionality....................................................................................... 9 2.2.5 Platform ............................................................................................. 9 2.2.6 interface design................................................................................... 10 2.2.8 Efficient management of transport Sacco....................................................11 2.3 System review................................................................................................. 11 2.3.1 Icebet Ventures Management system..........................................................11 2.3.2 Esacco Sacco Management System.............................................................13 2.3.3 Baraza Sacco Management system..............................................................14 3

2.4 Critique of existing system......................................................................................................16 2.5 Summary..................................................................................................................................16 2.6 Research Gap...........................................................................................................................17 CHAPTER THREE.....................................................................................................................18 RESEARCH DESIGN...................................................................................................................18 3.1 Introduction..............................................................................................................................18 3.2 Developmental Approach........................................................................................................18 3.2.1 System Design............................................................................................. 18 3.2.1.1 Rapid Application Development................................................................18 3.2.1.1.1 Stages of RAD......................................................................................... 19 3.2.1.2 Justification of RAD.................................................................................... 20

3.3 Fact-Finding Approach............................................................................................................22 3.3.1 Research Design........................................................................................... 22 3.3.2 Population.................................................................................................... 22 The target population was the for Bambu transport Sacco...................22 Table 3.1 Population of the study..........................................................................22 3.3.3 Sample and Sampling Technique..................................................................22 3.3.4 Data Collection Tools.................................................................................... 23 3.3.4.1 Interviews.................................................................................................. 23 3.3.4.2 Questionnaires.......................................................................................... 24

3.4 System Requirements Analysis................................................................................................25 3.5.1 Use Case Diagram........................................................................................ 26 3.5.2 Class Diagrams............................................................................................. 26 3.5.3 Sequence diagram....................................................................................... 27

3.6 Specific platform requirements................................................................................................30 3.6.1 Hardware requirements................................................................................30 3.6.2 Software requirements.................................................................................30

3.7 Summary..................................................................................................................................31 CHAPTER FOUR.......................................................................................................................32 IMPLEMENTATION....................................................................................................................32 4.1 Introduction..............................................................................................................................32 4.2 System Construction................................................................................................................33 4

4.2.2 Home Module............................................................................................... 33 4.2.3 Registration Module.............................................................................34 4.2.4 Module................................................................................................ 35 4.2.5 Registration Module......................................................................36 4.2.6 Loan Application Form Module.....................................................................37 4.2.7 Control Module....................................................................................38

4.3 Testing......................................................................................................................................38 4.3.1 Unit Testing.................................................................................................. 39 4.3.2 Acceptance Testing.............................................................................. 40 4.4 .1 Applying for hip............................................................................ 41 4.4 .2 Making Payments........................................................................................ 42 4.4 .3 Applying for Loans....................................................................................... 42 4.5.1 Applying for hip............................................................................. 43 4.5.2 Making Payments......................................................................................... 44 4.5.3 Applying for Loans........................................................................................ 44

CHAPTER FIVE.........................................................................................................................47 SUMMARY, CONCLUSIONS AND RECOMMENDATIONS...................................................47 5.1 Introduction..............................................................................................................................47 5.2 Summary..................................................................................................................................47 5.3 System Constraints..................................................................................................................48 5.4 Future Enhancements...............................................................................................................49 5.6 Recommendations....................................................................................................................49 .......................................................................................................................................................50 5.5 Conclusion...............................................................................................................................50 REFERENCES............................................................................................................................50 APPENDICES..............................................................................................................................52 1.1 LETTER OF INTRODUCTION.............................................................................................52 1.2 QUESTIONNAIRE.................................................................................................................53 1.3 BUDGET.................................................................................................................................57

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LIST OF TABLES Table 3.1 Population of the study .................................................................................................24 Table 3.2: Sample Size ..................................................................................................................25 Table 3.3: Table..............................................................................................................34 6

Table 3.5: Table......................................................................................................35

LIST OF FIGURES Figure 2.1: Conceptual Framework.................................................................................................9 Figure 2.2 : Icebet Ventures Management system.........................................................................13 Figure 2.3: Esacco Sacco Management System............................................................................15 Figure 2.4: Baraza Sacco Management System............................................................................17 7

Figure 3.1: RAD Diagram ............................................................................................................21 Figure 3.2: Use Case Diagram ......................................................................................................29 Figure 3.3: Class Diagram ............................................................................................................31 Figure 3.4: Sequence Diagram .....................................................................................................32

ACRONYMS SACCO – Saving and Credit Co-operative Organization Php - Hypertext pre-processor SQL – Structured Query Language 8

MFI-

Micro-finance Institution

RAD- Rapid Application Development MIS - Management information System NTSA National Transport Safety Authority CASE – Computer aided software engineering HTML - Hypertext Mark-up Language ICT - Information Communication Technology GUI - Graphical Interface PSV - Public Service Vehicle EFT - Electronic Fund Transfer UML - Unified Modelling Language URL - Uniform Resource Locator

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CHAPTER ONE 1.1 Introduction Globally, major cities currently struggle with a challenge of meeting the ever-increasing demand for transportation services. Lack of functional transportation system has had serious challenges in the sector. Among other inefficiencies is the disorganization in the management of the SACCOS that handle the Matatu transport. Since conception in Kenya, Matatu SACCOs have operated without limits and systems. The issue of disorganized transport system is such a problem to major urban areas in Kenya, especially major cities such as Nairobi, Mombasa and Kisumu. This has led to congestions in the cities and a lot of chaos that has portrayed the Matatu sector as rogue and disorganized. Indeed, the situation is too bad that you will not fail to see a police officer standing at various road points to ensure that the drivers abide by the traffic rules. The government, on the other hand, continues to ponder on what next rule to put up just in order for the transport sector to be organized (Gicheru, 2011). A well-managed transportation system offers a great benefit to the people in of movement. More importantly, it offers great return to the owners of the transport business in of financial benefits and time saved on the road. Ouma 1999 observes that public transport if well organized and managed, can result to a wellcoordinated system that facilitates harmony in the conveyance of goods and service. Inefficiency however remains a major concern in the management of the Matatu sector, thereby denying investors the deserved rewards and benefits they should actually get. The independence that has been given to the Matatu sector and the vast opportunity in the field of Management Information System, has not received considerable appreciation. In Mombasa City for instance, there is no any project of such that has been conducted. This project seeks to analyse the challenges in the management of Bambu Matatu Sacco in Mombasa County, with a view of developing an Online System for the Sacco. This system is expected to address the inefficiency in the management of the Matatu Sacco’s in Kenya, specifically in Mombasa.

The issues of Sacco’s and their

management will also be analysed with a view to show what a great opportunity they offer in the adoption of Management Information System (ONLINE SYSTEM) for the Sacco. 1

1.2 Background statement Prior to 21st century, organizations were forced to look elsewhere for strategies, which would keep them a head of their rivals. Naturally, transport and distribution came under scrutiny. The result has been the focusing of attention upon the total distribution process and a continuing search for economies in transport operations. Transport system efficiency is a very important consideration to ensure synchronization of time and space in the movement of goods and people (Ouma, 1999). Transport systems consist of the fixed facilities, the flow entities and the control systems that permit people and goods to overcome the frictional effect of distance. This will create the efficiency so as to save time in the activity while minimizing challenges to realize maximum profit. Understandably, transport management system has various functions and operations that lead to effective management and maintenance of the fleet.

The transport sector competes, supplements and complements other communication modes available in any organization. Some public institutions in Kenya, as in any other country, heavily rely on transport services for their operations and would be grounded if transport services were not properly coordinated. A transport system requires a well-designed infrastructure to efficiently operate otherwise it will carry the burden imposed by the infrastructural inefficiency. According to the Ministry of Transport, Road transport industry now plays an important role in the economy of Kenya. It provides an essential link between the provider of goods and the s. Because of the competitive nature of the industry, there is need for effective management and awareness of the consequences of indecision negatively impacting on institutional financial position. There should be planning, control, and co-ordination of the various functions. This may be achieved through budgetary control, standard techniques and flexibility to change (Faunlks, 2010).

To bring sanity to public transport, Matatu and bus operators had to organize themselves into cooperatives (SACCOS) or companies. This was to bring about ease of management and enforcement of discipline. It is therefore mandatory for all those seeking a Transport Licensing Board (TLB) certification to be of a Matatu Sacco’s in Kenya or belong to a company. About 1,000 Matatu Sacco’s and 400 companies have been ed (NTSA, website). Indeed, The Sacco’s proved to be the most viable way to manage large public transport fleets. They have 2

also been pioneers in changing the image of public transport, which was dominated by rogue drivers and touts without regard for traffic rules. The Matatu Sacco’s have played great role in the growth of public transport and some have now become respected brands in the sector (Brayamureeba, 2014). Online System is a change that many Matatu Sacco’s in Mombasa have not adopted in their management. This has made them continue to experience losses in spite of the fact that there is a credible platform upon which they can increase their gains. Online System broadly refers to a computer-based system that provides managers with the tools to organize evaluate and efficiently manage departments within an organization. In order to provide past, present and prediction information, a management information system can include software. The software

can

help

in

decision

making,

data

resources

such

as databases

and

the hardware resources of a system. Additionally it can systems, people management and project management applications, among other computerized processes that enable the department to run efficiently (Brayamureeba, 2014).

1.3 Statement of the problem The current manual system used by Bambu Investments Sacco is not effective enough to help member’s get access to services with ease. There is congestion in the work place caused by the number of large copies of files that are stored there. This congestion isn’t only irritating to the eye’s sight but also hinders one from easily searching for the files. Arranging the files after use is another disadvantage of the manual system as one has to locate the shelf containing files with similar name so as to put them back in order. Given that management use the office all the time, finding time to arrange files is time consuming and challenging to the staffs thus sometimes this is not done. A member can only access a copy of the file from the office thus the time a member can access them is limited to only when the office is open. 1.4 Objectives 1.4.1. General objective To develop online system with a -friendly interface where are allowed to themselves and apply for loan in the Sacco for efficient transport services.

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1.4.2. Specific objectives i.

To develop online system that will allow fast member registration and easy access to

ii.

loan application with preferred functionality features that improve transport services. To develop the required platform most preferred by the s that provides secure registration and authentication for all the s including a personal profile on the online

iii.

system To develop an online system with the acceptable interface that allow registration and easy loans application.

1.5 Research questions i.

Which functionality features of the proposed online system is preferred and will help fast

ii.

member registration and easy access to loan application? What platforms best fits the proposed online system for secure registration and

iii.

authentication for all the s? What are the preferred acceptable interface features that allow registration and easy loans application?

1.6 Scope of the study This study covers Transport Sacco’s in Mombasa, specifically the Bambu Sacco. Bambu was chosen for the reason that it is an established Sacco doing major routes in Mombasa. The study will involve conducting literature review on the stated objectives. The study analyses the objectives and the findings utilized in the discussions and presentation. A suitable solution to the research question was finally identified and explained. The project finalizes with recommendations on the way forward. 1.7 Justification of the study The transport sector has many returns to the economy of the country; besides, it offers both direct and indirect employment opportunities to the people. Indirectly it offers employment to, insurance companies, vehicle assemblers, garage and petrol stations. On the other hand, it offers 4

direct employment to drivers, touts, mechanics and office workers. Mombasa County has been chosen for the reason that there has not been similar study done in the area. This has created a gap that

required an urgent intervention to set pace for other Sacco’s in the area .Bambu

Company that is actually a Matatu Sacco was chosen for the reason that it is having a structure that can adequately be utilized as a case study. Besides, it operates manually and therefore will offer a good avenue to test the viability of Online Systems. The Online Sacco system will ensure that there is reduction of congestion in the place of work, it will ease the access to the copies of the files and member’s registration, more than one member will be able to access a single copy at any given time, and the online system will be available for use from anywhere and at any time of the day. 1.8 Significance of the study This study is significant because it seeks to enhance efficiency in the management of the Sacco’s. The efficiency leads to high returns to the management and enable them to make informed decisions. Transport management as observed by Ouma 1999, entails the daily operation and activities. Unless there is an efficient system in the operations management, the sector’s investors will hardly realize the profit they ought to have in the business. Very many companies are currently developing various IT systems for the transport sector. It is imperative to analyses and understand the various systems from an expert point of view before they are actually adopted by the various Sacco’s. This will help the managers of Sacco’s understand the benefit of the systems and chose from an informed perspective. Additionally it minimizes information overload, an effective online system will change the larger amount of data into summarized form hence avoids confusion.

1.9 Limitations 

Time Developing quality content and instructional design in a timely manner with the current workload is very difficult as the time given for the study and implementation of the



system is limited. Inadequate funds 5

The cost implication in developing an Online System is very high and requires the management to come up with decisions on the reduction of its other expenses to enable it 

to achieve the objectives of the proposed system. Resources Obtaining resources for design and build time as well as implementation staff may be



difficult due to the current duties and schedule demands. Resistance There may be possible resistance from some reluctant “digital immigrants”, or those that are slower to recognize the value of instructional technology.

CHAPTER TWO LITERATURE REVIEW 2.1 Introduction A literature review is a description of the literature relevant to a particular field or topic. It gives an overview of what has been said, who the key writers are, what are the prevailing theories and hypotheses, what questions are being asked, and what methods and methodologies are appropriate and useful. As such, it is not in itself primary research, but rather it reports on other findings. It can also be referred to as a purely descriptive, as in an annotated bibliography, or it may provide a critical assessment of the literature in a particular field, stating where the weaknesses and gaps are, contrasting the views of particular authors, or raising questions. Such a review will not just be a summary but will also evaluate and show relationships between 6

different materials, so that key themes emerge. Even a descriptive review however should not just list and paraphrase, but should add comment and bring out themes and trends. In today’s transport sector, there is need to manage more information than ever before without a solid internal infrastructure for and management to avoid loss of data. For example in this case study it is clearly visible that the Sacco requires the new system, this is due to the lack of transparency and security which slows progress in the management. This has arisen from the mode of storage facility that they have and the mode of the managerial system. If one considers other financially stable transport companies like the Mash Bus and Kenya Bus Service, one will notice that they have installed systems that ensure better services to the customers such as security systems, and databases to allow easier access to customer or client information. It should also be realized that a system should bring about a simple, workable and dependable and reliable system. If the system is not as so, it has not resulted in a solution but a problem bigger than the original one. The system should offer the management assurance on the good running of the system with results as expected. This new system will fit into the implementation of the Kenya policy to improve quality in transport sector. This chapter deals with the analysis of the issues raised in the objective of the study. It starts by understanding the transport sector and the introduction of Sacco has to bring sanity to the sector. Central to this study is the understanding of how online system actually works; this is will be explained based on available information from secondary literature. Finally, the various systems available is evaluated based on their applicability and advantages in order to arrive at a suitable one that can be adopted by the company. 2.2 Theoretical Review 2.2.1 Conceptual framework Arising from the inherent problems that the Sacco is experiencing in their management, there is a need to develop a working solution to the Sacco. The system should be able to enhance the management by linking the non-spatial data with the tracking data resulting in a better system for management of public transport by the managers of the Sacco. This is a system that is composed of two things, namely;

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 

Web interface. A server side application for database management

2.2.2 Conceptual Model Independent Variable

Dependent Variable

Functional Features registration Loan Application dashboard

Interface Features Navigation Design Ease of use Easy to interact with

Improved online system for efficient transport serv

Types of platform

Figure 2.1 Conceptual framework 2.2.3 Online system for transport content The content should be specific and efficient that is, effective for the knowledge of the and .

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2.2.4 System functionality This describes in details how the system functions and it should be in accordance to the ’s need so as to improve efficiency. For example, in the proposed system, covers the functions for the and . For the , a system is to be designed to give them access to the resources provided by the system. They are given an interface to themselves to the Sacco by providing the required information which is sent directly to ’s dashboard for verification and approval. On the side, the functions of the system is limited to addition, updating, deleting, searching and modifying of database file.

They all who have

ed gave the correct information which should be legit. 2.2.5 Platform In computing, cross-platform,

or multi-platform,

is

an

attribute

conferred

to computer

software or computing methods and concepts that are implemented and inter-operate on multiple computer platforms. Cross-platform software may be divided into two types; one requires individual building or compilation for each platform that it s, and the other one can be directly run on any platform without special preparation, e.g., software written in an interpreted language or pre-compiled portable byte code for which the interpreters or run-time packages are common or standard components of all platforms. Web applications are typically described as cross-platform because, ideally, they are accessible from any of various web browsers within different operating systems. Such applications generally employ a client–server system architecture, and vary widely in complexity and functionality. This wide variability significantly complicates the goal of cross-platform capability, which is routinely at odds with the goal of advanced functionality. Basic web applications perform all or most processing from a stateless server, and the result to the client web browser. All interaction with the application consists of simple exchanges of data requests and server responses. These types of applications were the norm in the early phases

of World

Wide

Web application

development.

Such

applications

follow

a

simple transaction model, identical to that of serving static web pages. Today, they are still 9

relatively common, especially where cross-platform compatibility and simplicity are deemed more critical than advanced functionalities. Prominent examples of advanced web applications include the Web interface to Gmail, A9.com, and the maps.live.com website, part of the Live Search service from Microsoft. Such advanced applications routinely depend on additional features found only in the more recent versions of popular web browsers. These dependencies include Ajax, JavaScript, Dynamic HTML, SVG, and other components of rich Internet applications. Older versions of popular web browsers tend to lack for certain features. Because of the competing interests of cross-platform compatibility and advanced functionality, numerous alternative web application design strategies have emerged. 2.2.6 interface design This is the interacting front-end of the online system. It integrates all types of information needed to interact with learner, through graphics, text, multi-media, key-board, mouse-driven menus, etc. Prime factors for -acceptance are -friendliness and presentation hence enhances ease of use by its s. It also provides interactive GUI for the . Dmitry Fadeyev (2012) explains that clarity in a interface is great; however, one should be careful not to fall into the trap of over-clarifying. Clarity is the most important element of interface design. Indeed, the whole purpose of interface design is to enable people to interact with your system by communicating meaning and function. With online system for transport Sacco systems in mind, we develop models, which can be used to allow to check their details, drivers are able to send their job application and can view all details concerning the system.

2.2.8 Efficient management of transport Sacco Efficient management of transport Sacco is very essential. This is because it entails huge amounts of files to handle member details, savings and daily contributions, inventory items,The reason for wanting to develop this system concurs with this, in that efficient management of the

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transport Sacco can only be achieved if the system will have an easy to understand interface and features that easy manoeuvring and access of details.

2.3 System review 2.3.1 Icebet Ventures Management system To strengthen the potential of enhancing the quality of services offered by the target Matatu Sacco, ICEBET VENTURES is recommending installation of the online system in all Kenyan Sacco’s, so that none is left out of the online community so created by ening to this national ICT project. The system will be installed to offer the 10 modules designed to deliver a highly interactive ICT platform in the Sacco. Successful utilization of the products and services would inform the potential expansion of the Programme. Although they are not well secured there is a probability of getting damaged due to a fire or any other kind of a disaster. The project proposed is aimed at installing and implementing a fully functional system in order to achieve efficiency in the Sacco, the overall mission being to make the SACCO staff operate quickly and easily in dealing with management tasks.

Source URL: http://www.icebetventures.com/ Accessed: July, 07 2015 Figure 2.2 Icebet ventures management system 11

Features: 1. 2. 3. 4. 5.

Monitoring Matatu Monitors trips made vehicles Monitor payments by engers Keeps records of Service & repairs! Tracks records of tyres and batteries

This web based system has been created using ASP.NET an open source server-side Web application framework designed for Web development to produce dynamic Web pages. ASP.NET Web pages are the main building blocks for application development. Web forms are contained in files with an ".aspx" extension. This technology also has the ability to define server-side Web Controls and Controls. Dynamic code which runs on the server, is similar to other Web development technologies such as PHP, JSP, and ASP which are commonly used today.

2.3.2 Esacco Sacco Management System Esacco Sacco management system is a system designed to manage needs of matatu Sacco’s, promoting ability, transparency, enhancing efficiency and cost cutting.

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Source URL http://www.esacco.ryanada.com Accessed: July, 07 2015 Figure 2.3 Esacco Sacco Management System

Key Features: 1. Capture details 2. Profile including their port photos 3. vehicles 4. Capture daily contribution via cash, deposit, mpesa, EFT 5. Capture other payment made to the Sacco 6. Capture bank deposit 7. Allow bank reconciliation 8. Capture payment made by the Sacco through petty cash, expenditure 9. Keep record of vehicle inspection reports 10. Manage loan application process

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The system is tried and working in top Matatu Sacco in the country Customizable. Easy. Transparent. Complete. Secure. Working Solution. The web platform has been created using HTML 5 which provides for; css3, audio and video, 2D and 3D graphics, local storage, local SQL database and web applications. To provide richness to the website css and also JavaScript has been used. The technology in use is one of the latest in the development industry and many online organizations have adapted it into their organizations. 2.3.3 Baraza Sacco Management system Baraza SACCO Management system is a modular web-based application providing SACCOs with tools required to manage the needs of savings and loan Management. Specialized software is becoming more and more popular among SACCOs and MFIs (Micro Finance Institutions). As compared to a regular Excel spreadsheet, such software is designed to monitor the dynamics of a microfinance organization or SACCO. The Baraza SACCO consists of modular based applications that integrate to provide a fully-fledged Enterprise level Software Suite to manage the needs of Savings management and Loan management. An integrated General Ledger and s Management Module ensures that s reporting can be handled without having to use a separate system to handle the same. It handles Member information and tracks the Savings and Loan activity with ease rendered over a secure intranet accessible via any standard web browser.

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Figure 2.4 Baraza Sacco Management System

Features A major advantage of Baraza SACCO is that it provides easy access to accurate and up-to-date information. For example, loan officers get information on loans that need follow-up; SACCO management can monitor daily progress of the SACCO, and can get a full picture of the portfolio performance and quality. also get quick information on their s, savings and loan balances. Detailed information is captured on and their activities that can then be used to assess member’s portfolio to assess impact. It is also useful in tracking historical information of the . Activities, such as disbursements, repayments, deposits, withdrawals and money transfers are completed faster, better controlled and with minimum opportunity for errors. Information is produced in -required formats, which facilitates better understanding, setting priorities, objectives and strategy. Key performance indicators provide an overview of the organization’s performance, efficiency and effectiveness of business procedures so that timely adjustments can 15

be made. Use of Baraza SACCO helps make SACCO and MFI services more interactive, accessible and transparent. This web-based system involves the use of PHP, a server-side scripting language designed for web development. PHP is one of the most widely used scripting languages especially if a database is involved. 2.4 Critique of existing system The systems that have been reviewed are relevant to the project to some extent; in of functionalities, interface and platform used. The systems differ in programming language used, which I preferred to use php due to familiarity of the server-side scripting language which is designed for web development. PHP is one of the most widely used scripting languages especially if a database is involved. The online system for transports Sacco borrowed functional features such as member’s registrations, viewing records, driver’s application to job and data management. Most of the existing systems are web application which have clear navigation features for system s to explore through the system easier.

2.5 Summary In conclusion, the system has a lot of prospect in improving efficiency in Sacco management. Indeed, if linked with other Information Technology systems such as; online banking, ing information system, among others, the desired efficiency shall be attained Technology is a tool that should be exploited to enhance service delivery in SACCOs. It not only creates competitive advantage but also enhances business growth and stability. Bambu Company as a Sacco can use result of this study to improve their management in Matatu business. The Online System for Transport Sacco will be developed using the PHP programming language which will make use of a MySQL database for storage of data. The reason why the researcher chooses to use this language over similar scripting languages is because of its wide and compatibility with many Operating Systems.

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2.6 Research Gap There have been a number of valuable studies on Sacco management systems all over the world all of which present the concept, roles and importance of the formation of such system. However, none of these studies provides online registration and online loan applications by the in the Sacco. The system also is going to be used Bambu Investment Sacco Ltd which is new target market, they have not yet adopted any management system for the Sacco

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CHAPTER THREE RESEARCH DESIGN 3.1 Introduction This chapter entails; the developmental approach that shows the system design method used for developing the project, fact-finding approach showcasing the research design and data collection techniques used, requirement analysis, logical design of the system built and the hardware and software platforms used. 3.2 Developmental Approach 3.2.1 System Design System design is the process of defining the elements of a system such as the architecture, modules and components, the different interfaces of those components and the data that goes through that system. According to Cory Janssen (2014) Systems design implies a systematic approach to the design of a system. It may take a bottom-up or top-down approach, but either way the process is systematic wherein it takes into all related variables of the system that needs to be created from the architecture, to the required hardware and software, right down to the data and how it travels and transforms throughout its travel through the system. The system design is important as it shows the blueprint of how the proposed system was developed. The method used by the researcher was Rapid Application Development (RAD). 3.2.1.1 Rapid Application Development There are multiple approaches to deg a system but the researcher used Rapid Application Development (RAD) as it ensured fast development of the system. RAD is a development lifecycle designed to give much faster development and higher-quality results than those achieved with the traditional lifecycle. Rapid Application Development main feature is developing prototypes. There are four phases in RAD and they include the following; Requirements Planning, Design, Construction and Implementation.

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3.2.1.1.1 Stages of RAD

Figure 3.1: RAD diagram

Requirements Planning This is the Concept Definition Stage of the Online System for Efficient management of transport Sacco. It describes the functions the system will carry out. This system is intended to serve Bambu investment Sacco which is expected to serve Mombasa County when it comes to the efficient management. Design The functional Design Stage which involves both the s of the system at the Offices, and the developer. This is to be done by carrying out workshops within Bambu Investment Sacco. The reason for doing so is because s tend to know less of what is possible from a technological 19

perspective and the developer may be unaware of the underlying decision-making issues. The workshops are used to bridge a gap of understanding between the s and the developer and model the system’s data and processes to build a working prototype of the critical system components. Construction The development of the Online System takes place at this phase. The construction of the system is intended to be completed at this stage. A changeover system is also built to help from shifting from the old system to the Online System which is expected to automate a lot of processes. aids are also developed to help s get acquainted to the new system and implementation work plans are also developed. Implementation This is the stage the deployment of the system to be developed is expected to take place. Implementation will incorporate final testing and training, data conversion where data sources from the existing system is converted into a format accessible by the Online System, and the implementation of the application system which will involve acceptance by Bambu investment Sacco.

3.2.1.2 Justification of RAD There are many methods that can be used in the design of the system, but the researcher chooses to use RAD because of the following reasons; Prototyping Prototyping is used to gather information in a short period of time to make a smaller version of the entire system. The objective of doing this is to seek reactions, innovations and suggestions. The prototypes are used for gathering customer requirements and converting them

20

to data requirements. Computer Aided Software Engineering (CASE) tools help in making prototypes on gathering systems requirements making models and then coding those models Iterative development This involves creating increasingly functional versions of a system in short development cycles. Each version is reviewed with the client to produce requirements that feed the next version. The process is repeated until all functionality has been developed. Each development cycle provides the an opportunity to provide , refine requirements, and view progress Time boxing Time boxing involves putting off features to future application versions in order to complete the current version in as short amount of time as possible. Strict time boxing is an important aspect of RAD, because without it scope creep can threaten to lengthen development iterations, thus limiting client , minimizing the benefits of iterative development. Team This entails using smaller teams for faster application development. Teams consist of experienced meet the clients and give priority to the client requirements, through the help of t Application Development sessions (JAD) which is done at every phase of the system development.

Management approach Actively involves management in the development process to mitigate the risks of lengthened development cycles, client misunderstandings, and missed deadlines. This ensures management commitment and consistency in the RAD methodology. Engages management by ensuring they enforce a strict timeline, select team , motivate team, and clear bureaucratic or political obstacles.

21

3.3 Fact-Finding Approach The techniques used for collecting data from Bambu investment Sacco were Interviews and Questionnaires. 3.3.1 Research Design The type of research used was Experimental Research. This is because experimental research determines how changes in one independent variable affect another dependent variable. This kind of research is therefore used to determine the correlation between different variables. Keane (2003) defines experimental research as objective, systematic, controlled investigation for the purpose of predicting and controlling phenomena and examining probability and causality among selected variables. Blakstad(2008) on the other hand explains it as a systematic and scientific approach to research in which the researcher manipulates one or more variables, and controls and measures any change in other variables. 3.3.2 Population The target population was the for Bambu transport Sacco. Category (Car Owners) Total

Population 57 57

Table 3.1 Population of the study 3.3.3 Sample and Sampling Technique A sample refers to a subset of a population. The sampling technique employed was the Simple Random Sampling Technique. This is so because in this technique each individual is chosen randomly and entirely by chance, such that each individual has the same probability of being chosen at any during the sampling process. According to Mugenda & Mugenda (2001) at least

22

30% of objects are required per category of the target population. Therefore in my study, I will select 30% of the population to represent the sample size.

Category

Population

Sample Size (30%)

(Car owners)

57

17

Total

57

17

Table 3.2: Sample Size 3.3.4 Data Collection Tools The data collection tools used were interviews and questionnaires. 3.3.4.1 Interviews Data collection tool that involves people meeting face to face for consultation. Interviews will mainly be used when seeking information from Bambu Investment Sacco and seeking their opinion on an automated version of it.

Advantages of Interviews i ii iii

Interviews are useful for untangling complex topics. The Interviewer can probe deeper into a response given by an interviewee They provide additional information as it allows monitoring of interpersonal skills, non-

iv

verbal cues and emotional tone. They are useful to obtain detailed information about personal feelings, perceptions and opinions.

Disadvantages of Interviews i

Time consuming; a lot of time gets used up especially when setting up, interviewing and analyzing . 23

ii iii

Interviews can be costly especially if travel expenses have to be incurred. Interviewer’s characteristics can influence interviewee’s response i.e. interviewee’s age,

iv

sex, ethnic background, speech patterns or even dressing. Lack of confidentiality.

3.3.4.2 Questionnaires These are a set of written or printed questions used for the purpose of obtaining statistical of personal information from individuals. This will help aid in gathering useful information for the development of the Online System for Efficient transport service. Advantages of Questionnaires i

Large amounts of information can be collected from a large number of people in a short

ii

period of time and in a relatively cost effective way. Can be carried out by the researcher or by any number of people with limited affect to its

iii

validity and reliability The responses are gathered in a standardized way, therefore more objective than

iv

interviews. Questionnaires can be analyzed more scientifically and objectively than other forms of research.

Disadvantages of Questionnaires i ii iii iv

Inadequate to understand some forms of information - i.e. changes of emotions, behavior, feelings etc. There is no way to tell how truthful a respondent is being There is no way of telling how much thought a respondent has put in The respondent may be forgetful or not thinking within the full context of the situation

3.4 System Requirements Analysis The analysis employed the use of Unified Modelling Language (UML) diagrams which have very powerful object oriented . 24

Functional requirements These requirements specify what the system does. They relate to the actions that the system must carry out in order to satisfy the fundamental reasons for its existence. The functional requirements of the system include the following; I. II. III. IV. V.

Ability for the to and their details to the system. Drivers are provided with an interface to send job applications are provided with dashboard to manage data for system. Inclusion of navigation features that will make manoeuvring through the system easier. Facilitating communication between the member/driver and the .

Non-functional requirements i ii iii iv

Availability: the application should be available all the time. -friendliness; provision of an easy-to-use interface. Consistency in performance even when levels increase. Portability that the system is integrated with a web interface that will enable the system to

v

be accessible globally through the internet. Usability focuses on speed, accuracy and satisfaction. To achieve this, all web contents

vi

will be organized into modules to ensure consistency. It should be easy to use even with the person with least knowledge of computers and mobile.3.5 Logical Design

The logical design of a system pertains to an abstract representation of the data flows, inputs and outputs of the system often conducted via modelling, using an over-abstract (and sometimes graphical) model of the actual system. 3.5.1 Use Case Diagram A use case diagram at its simplest is a representation of a ’s interaction with the system and depicting the specification of the use case. A use case diagram can portray the different types of s of a system and the various ways that they interact with the system. A Use Case Diagram relationship is a type of model element that adds semantics to a model by defining the structure and behaviour between the model elements

25

hip

Apply

for

Authorise Make Validate

Payments



Apply

for

Approve Proces

Validate Loan

Figure 3.2 Use case Diagram 3.5.2 Class Diagrams Classes are templates for defining the characteristics and operations of an object. A class is a specification that an object implements. Object oriented classes the object oriented principles of abstraction, encapsulation, polymorphism and reusability. They do so by providing template or blueprint that defines variables and the methods common to all objects that are based on it. Classes specify attributes and methods. Attributes define the characteristics of the class that collectively capture all the information about the class. The researcher in this case identified and

26

used classes such as , classes , class appointments and class alerts among others. The researcher used java to create and implement these classes.



Database.

Figure 3.3 Class Diagram 3.5.3 Sequence diagram A sequence diagram is an interaction diagram that shows object interactions arranged in relation to time sequence. It depicts the objects and classes involved in the scenario and the sequence of messages exchanged between the objects needed to carry out the functionality of scenario.

System

27

()

Validate () Confirmation message()

Connect()

[ successful]

Apply for hip () Authorize hip () Make Payments () Validate Payments () Apply for Loan () Approve Loan () Figure 3.4 Sequence Diagram for

Table

28

Member_ID 001 002 003 004 005

Field Name member_id member_Name email_Address id_number

Data type Int(6) Varchar(20) Varchar(15) Varchar(10) Int(8)

Description member_id name email Address id number

006 007 008

car_numberplate copyoflogbook loanapplication

Varchar(15) Varchar(15) Varchar(15)

car Number Plate logbook loan_application

Constraints Primary Key

Table 3.3 Record

Table _ID 001 002 003 004 005 007

Field Name _ID loan_application payments registration reg_s

Data type Int(10) Varchar(15) Varchar(8) varchar(15) varchar(100) varchar(100)

Description ID messages Loan applications Registration fee details ed s

Constraints Primary Key

Table 3.5 records

3.6 Specific platform requirements 3.6.1 Hardware requirements Intel atom IV processor at 1 GHZ or faster, minimum of 2 GB available disk space for installation, minimum of 1 GB memory, USB port and DVD-ROM drive. For a Smartphone: Java powered device, 768MB memory, minimum of 2GB available disk space, HSPDA or Edge Network connectivity.

29

3.6.2 Software requirements Software tools used to develop the Website and application include: Software Requirements for Developer; Windows 7/8 Operating System Mozilla Firefox or Google Chrome Browsers Wamp or xampp Server; PHP and MYSQL Database Adobe Dreamweaver Connection to an Internet Service Provider Software Requirements for ; Windows XP/7/8 or Linux Operating System MYSQL Database Mozilla Firefox or Google Chrome Browsers Connection to an Internet Service Provider

3.7 Summary In this chapter, the methodology used was Rapid Application Development which facilitated faster development of the system through the use of prototypes incorporating involvement. The data collection techniques were questionnaires and interviews and the logical design clearly shows how the system was developed.

30

CHAPTER FOUR IMPLEMENTATION

4.1 Introduction In this chapter the process of transforming the work described in analysis and design takes place. Screenshots of the constructed system are displayed, explaining how the system works from the moment one starts using it to when he leaves. Apart from this, the chapter also shows the various tests carried out and response of the s regarding use and acceptance of the system developed. The project was to develop online system with a -friendly interface where are allowed to themselves and apply for loan in the Sacco for efficient transport services. Its specific objectives were; 31

i.

To develop online system that will allow fast member registration and easy access to loan

ii.

application with preferred functionality features that improve transport services. To develop the required platform most preferred by the s that provides secure registration and authentication for all the s including a personal profile on the online

iii.

system To develop an online system with the acceptable interface that allow registration and easy loans application.

The questionnaires distributed were categorized into pre and post evaluation out of which 17 out of the 17 questionnaire were on the pre evaluation were returned and 17 questionnaire were returned for the post evaluation This chapter presents the findings beginning with the functional requirements, interface and types of platforms that were needed by the and how the system responded to the specification.

4.2 System Construction In system construction, a clear illustration of each functional and non-functional requirements of the system developed will be shown and clarified as explained earlier in the previous chapters.

4.2.2 Home Module

32

Figure 4.1 Home Module The figure above, home module, would be the first screen that s will be greeted with when they first access the system. From this module, s will be able to manoeuvre to the other sections of the system that they would like to access.

4.2.3 Registration Module

33

Figure 4.2 Registration Module The figure above, registration module interface, enables first time s to sign up in order to be able to use the system. For one to sign up, one will be required to input his/her details and also provide a and name that he will be using whenever accessing the system. Once one has ed he/she is listed as a and is able to access the system from the Module. 4.2.4 Module

34

Figure 4.3 Module The figure above is the part of the system that allows s access the system through inputting their name and . If one provides the correct name and he/she will be logged in into the system, if not, access to the system will be denied until he enters the correct and name.

4.2.5 Registration Module

35

Figure 4.4 Registration Module The figure above, member’s registration module interface, enables first time to apply in order to be able to be listed as ed member. For one to apply, one will be required to input his/her details correctly as provided by the interface. Once one has applied and approved he/she is listed as a member. 4.2.6 Loan Application Form Module

36

Figure 4.5 Loan Application Form Module The figure above, Loan Application Form Module interface, enables Sacco to apply for loans For one to apply, one will be required to input his/her details correctly as provided by the interface. Once one has applied the details will be processed and member will be ed.

4.2.7 Control Module

37

Figure 4.6 Control Module The figure above, control module interface, enables to view all details about the Sacco. is able to authorize hip, validate payments and approve payments made. They also all messages sent by for queries.

4.3 Testing Software testing is carried out to check whether the set out objectives are achieved in the constructed system. The main reason why testing is carried out is to detect software failures so as to correct them. The importance of software testing cannot be overemphasized as it helps reveals errors that would negatively affect the system and its smooth running. Different levels of testing are used as shown below.

4.3.1 Unit Testing Unit Testing refers to a software testing method by which sets of one or more computer program modules and operating procedures, are tested to determine whether they are fit for use. The table below shows the different modules of the system tested.

38

Test Type

Module Name

Test Objective

Expected Results

Actual

Unit Testing

Registration

To check whether new Should allow new 41%

Module

s can be ed s to

Results

Success

into the system. Unit Testing

Module

To

check

whether Should

ed s can log ed s to Success in

Unit Testing

.



To

Registration

ed

Module

as in s to as the

check

whether Should s

Sacco

and

payments fee. Unit Testing

allow 29%

can ed

allow 18% system Success

make and make payments fee.

Loan application To check whether the Should allow Sacco 12% Module

of the Sacco to apply Success can apply for loans.

for loans.

Table 4.1 Unit Testing

4.3.2 Acceptance Testing This refers to the last phase of the software testing process. In Acceptance Testing, actual software s, which in this case are of Bambu Sacco Investment, test the software to make sure it can handle required tasks in real-world scenarios, according to specifications. This occurs before the system is implemented. During system acceptance testing, the of the Sacco amounted to about 17, were involved. The acceptance table and figure shown below, was based on a size of 17 respondents.

39

Task

Number of Respondents

Percentage

Registration Module

7

41.18%

Module

5

29.41%

Registration Module

3

17.65%

Loan application Module

2

11.76%

Table 4.2: Acceptance Testing

Acceptance Testing 45% 40% 35% 30% 25% 20% 15% 10% 5% 0%

Figure 4.7: Acceptance The figure above shows how different modules of the system were received by the s and its applicability in the Online Sacco system. 4.4 System Functionality Acceptance Rate 4.4 .1 Applying for hip Applying for hip

Respondents

Percentage

40

Satisfying

13

76%

Not Satisfying

1

6%

Needs Improvement

3

18 %

Table 4.3: Applying for hip

4.4 .2 Making Payments Making Payments

Respondents

Percentage

Satisfying

12

71.5%

Not Satisfying

3

17.5%

Needs Improvement

2

12%

Applying for Loans

Respondents

Percentage

Satisfying

11

64%

Not Satisfying

4

12%

Needs Improvement

2

24%

Table 4.4: Making Payments

4.4 .3 Applying for Loans

Table 4.4 Applying for Loans

41

System Functionality Acceptance Rate 80% 70% 60% 50% 40% 30% 20% 10% 0%

Satisfying

Not Satisfying

Needs Improvement

Figure 4.8: System Functionality Acceptance Rate The figure above shows the satisfaction level of the respondents when they interacted with the system functionality, and how well they received it. 4.5 System Interface Acceptance Rate Through use of the system, a number of respondents were asked about the interface of the system and their results were tabulated and represented in a figure as shown below.

4.5.1 Applying for hip Applying for hip

Respondents

Percentage

Satisfying

15

88%

Not Satisfying

1

6%

Needs Improvement

1

6%

Table 4.5 Applying for hip 4.5.2 Making Payments

42

Making Payments

Respondents

Percentage

Satisfying

9

53%

Not Satisfying

2

12%

Needs Improvement

6

35%

Table 4.6: Making Payments

4.5.3 Applying for Loans

Applying for Loans

Respondents

Percentage

Satisfying

13

76%

Not Satisfying

1

6%

Needs Improvement

3

18%

System Interface Acceptance Rate 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%

Satisfying

Not Satisfying

Figure 4.9: System Interface Acceptance Rate

43

Needs Improvement

The figure above shows the satisfaction level of the respondents when they interacted with the system interface, and how well they received it. 4.6 Beta Testing Beta Testing can be simply be referred to as ‘pre-release testing’ as it is done just before a software is released for use. In this scenario, beta testing was conducted to help detect any flows that existed in the system before it is released. Some minor flows may seem insignificant but fixing them will help to save on development cost in the long run after the system is released for use. The researcher conducted this test with 17 of the Transport Sacco for about 7 days, and after their interaction with the system their was noted and taken into in implementation of the project.

Beta Testing 60.00% 50.00% 40.00%

Beta Testing

30.00% 20.00% 10.00% 0.00% Satisfying

Not Satisfying

Needs Improvement

Figure 4.10: Beta Testing The figure above shows the satisfaction level of the respondents when they interacted with the system, and how well they received it.

4.7 System Implementation System implementation involves the process of transitioning from the old system to the new system. For this to be successful, implementation must be properly planned before execution. 44

Various methods for system implementation exist having both their advantages and limitations, but the one that was used in this case was parallel implementation because of its effectiveness in introducing the new system. Parallel Implementation Strategy: This approach involves running the new system alongside the old system. This allows the new system to prove itself before the old one is taken offline. Of all other methods, this is the most secure because if any problems arise in the new system there is an alternative of falling back to the old system without any extra costs. Though this strategy is effective and efficient, it still has its own disadvantages which are; twice as much work for everyone in the short-term and double the operating cost.

CHAPTER FIVE SUMMARY, CONCLUSIONS AND RECOMMENDATIONS

45

5.1 Introduction This chapter, primarily focusses on summarizing the project and enhancements that can be done in the near future. The developer in this case attempts to review the purpose of the project and depict; its summary, the constraints faced during system development, conclusion and recommendations that can be heeded in future development. 5.2 Summary Upon careful examination of the Bambu Investment Sacco, the developer decided to embark on a computer based project which focused on the development of online system with a -friendly interface where are allowed to themselves and apply for loan in the Sacco for efficient transport services. The computer based project was developed using Rapid Application Development (RAD) as it ensured fast development of the system. The reason why Rapid Application Development was chosen, is because unlike the traditional lifecycle, RAD gives much faster development and higher-quality results. Development of the system involved the use of various software’s in order to achieve the desired results. The software’s used included; MySQL database to host the system’s data, PHP scripting language in creation of the interface and web browsers preferably Mozilla Firefox or Google Chrome to display the interface of the system. During implementation of the project s and owners of the system were involved and consulted to make sure that it suits their needs. When acceptance testing was carried out approximately 41% of the s were satisfied with the registration module, 29% could successfully, 18 % were comfortable with the hip registration module while 12% with the loan application module. Comments and recommendations made by s were considered and acted upon to improve the system.

5.3 System Constraints Challenges will always be there when coming up with something new and in this case some constraints were encountered in the development of the system. They include the following;

46

Time; in the development of the system, time really posed a challenge. This is because the system had to meet the specified deadline. As a result of this a lot work was carried out in a limited time. Accessibility; though the system was set to be an accessibility via a mobile phone was difficult, as it needed to be responsive to different environments which proved unsuccessful. Compliance of Bambu Investment officials; though some officials were very really helpful in the development of the system, some were reluctant to participate or give information which slowed down the completion rate of the project. Running on different platforms; since the system was created using php and MySQL running it on a different database apart from one that s MySQL would prove hard if not impossible. Adequate programming skills, posed a challenge as the developer was unable to include a module whereby s are able to retrieve their s in case they forget it.

5.4 Future Enhancements In the world, there is no perfect system as there is always room for improvement. Even in this case, more improvements can be done to the Online Sacco System for Efficient Transport Services to better it in later days. At the moment Online Sacco System can only be accessed by through the computer. An improvement that can be done to this, is that the online system can be made to be responsive to different environments in that, one could also use a mobile application to access it. Another improvement that may be added is the retrieving functionality if one forgets his . In such a scenario the s should be able to retrieve their s via their email, upon request when they forget it.

47

5.6 Recommendations Perfection is impossible, but unlike it improvement is. In the development of the project, challenges were experienced here and there, some were solved, and others were not due to time constraints and ability of the developer. Nevertheless a solution to them is possible and that is why the following has been recommended: At the moment Online Sacco System can only be accessed by through the computer. An improvement that can be done to this, is that the online system can be made to be responsive to different environments in that, one could also use a mobile application to access it Incorporation of the reset module which will enable s to retrieve or reset their s in case they forget them. To make the system fully functional and rolling it out for use at the Bambu Investments Limited offices in Mombasa once it is efficient, effective and without flows. . 5.5 Conclusion Despite the challenges faced during the study, the development and implementation of the system proved to be a success. Upon careful analysis the Online Sacco System for Efficient Transport Services, it was seen to reduce a lot of workload for the management and also ease the access to the copies of the files and member’s registration, more than one member will be able to access a single copy at any given time and apply for loan because the online system will be available for use from anywhere and at any time of the day.

REFERENCES Counts, A. Small Loans, Big Dreams: How Nobel Prize Winner Muhammad Yunus and Microfinance Are Changing the World. New Jersey: John Wiley & Sons. (2008);Print.

48

C. Frantz, N. Mariusz, and K. Martin. “Augmenting Android with Aose Principles for Enhanced Functionality Reuse in Mobile Applications." Department Of Information Science, University of Otago, New Zealand .Workshops (2012); Print David, C. "Taking the Best Approach to Knowledge." Computer Reseller News. June 1, 1998; Internet Source. Gicheru. E, Migwi.W, Imanyara.K. An Analysis of the Socio-Economic Impacts Of the New Intergrated National Transport Policy; The Case of 14-Seat Transport SACCOs in Kenya. A research paper presented at ICA Global Research Conference at Mikkeli, Finland.2011. Internet Source. In Workshop For Sacco Memebres. On Tuesday, August,8 2014. University Of Nairobi, Main Campus, Education Building, 2nd Floor Roomed213. Johnson, D. “Management Information Systems in Microfinance Institutions”. CMF Focus Note No. 2, Chennai, Web. Retrieved on Sunday, May 17, 2015 Laudon, Kenneth C., and Laudon, J. Management Information Systems: A Contemporary Perspective. 3rd ed. New York: Macmillan, 2001;Print. Ngondi Mburu. Transport Sacco adopts IT system to enhance the control of vehicles. Business daily africa.com.Thursday, December 27, 2012. Web. Retrieved on Sunday, May 17, 2015< http://www.businessdailyafrica.com/Transport-sacco-adopts-ITsystem/-/539546/1652278/-/9p843bz/-/index.html>. Otieno, E. Ngigi M, “Web Based Public Transport Management System; A Prototype PVS Tracking System for Nairobi City”. International Journal of Science and Research (IJSR). VOL.3, 2014. Nairobi –Kenya; Internet Source. Ouma,J. A comparative analysis of the efficiency levels of transport fleet management systems in Kenya. Unpublished research paper. Kenyatta University, Main campus. Nairobi. 2014. Internet source. 49

Phd .Prof. Venansius Brayamureeba,. Using Technology to Enhance Service Delivery in a Sacco. Keynote Address at the Wazalendo SACCO Retreat. at Hotel Paradise Jinja. , 10-12 November 2014 Ssewanyana J.K. ICT Usage in Microfinance Institutions in Uganda. The African Journal of Information Systems, [online], Vol. 3. (2009). Internet source. T. Mantoro, A. Media, and B.Ami. “Gps Based Tracking Framework For Walking Pedestrian” Integ Lab, Kulliyah Of Information And Communication Technology, Kuala Lumpur, Malaysia International Islamic University Malaysia, (2012); Internet Source. Wambugu, Using ICT To Address Employment And Safety In The Matatu Sector. Wambururu.Wordpress.Com. April 20, 2015.Web. Retrieved on Tuesday, May 19, 2015 < https://wambururu.wordpress.com/>.

APPENDICES 1.1 LETTER OF INTRODUCTION TH

5

October, 2015

Dear Sir/Madam, RE: INTRODUCTORY LETTER 50

I am a fourth year Business information technology student in Jomo Kenyatta University doing a research project on Online Sacco System to aid in efficient transport services in Bambu Investment Sacco Limited. Confidentiality and consent In regard to this you are humbly requested to participate in this research study. This questionnaire will only take about five minutes of your time. Some of the questions may be personal but you are assured of maximum confidentiality. This information will be used for academic research only and will be treated with utmost confidentiality. Should you have any enquiries regarding this survey you can me on 0726671248. Thank you in advance for your co-operation. Yours sincerely, David Gesora Asanyo.

1.2 QUESTIONNAIRE ONLINE SACCO SYSTEM FOR EFFICIENT TRANSPORT SERVICES (A CASE OF BAMBU INVESTMENT LIMITED) Instructions: Please respond to the following questions and where applicable, mark the relevant box with a tick (√). 51

Confidentiality: The responses you provide will be strictly confidential. No reference will be made to any individual(s) in the report of the study. SYSTEM EVALUATION QUESTIONNAIRE

PART A : FUNCTIONAL REQUIREMENT FEATURES

1. State your level of satisfaction of the functionality presented by the system on:

a

Applying for hip

Not satisfying Somehow satisfying Satisfying Much Satisfying Very Satisfying

b

] ] ] ] ]

Making payments.

Not satisfying Somehow satisfying Satisfying Much Satisfying Very Satisfying c

[ [ [ [ [

[ [ [ [ [

] ] ] ] ]

Applying for Loan

Not satisfying [ ] Somehow satisfying [ ] Satisfying [ ] Much Satisfying [ ] Very Satisfying [ ] 52

2. Any other additional comment about the system functionality? ……………………………………………………………………………………………………… ……………………………………………………………………………………………………… ……………………………………………………………………………… PART B: INTERFACE 1. State your level of satisfaction of the interface presented by the system on:

a

Applying for hip

Not satisfying Somehow satisfying Satisfying Much Satisfying Very Satisfying

b

Making payments.

Not satisfying Somehow satisfying Satisfying Much Satisfying Very Satisfying c

[ ] [ ] [ ] [ ] [ ]

[ ] [ ] [ ] [ ] [ ]

Applying for Loan

Not satisfying [ ] Somehow satisfying [ ] Satisfying [ ] Much Satisfying [ ] Very Satisfying [ ]

53

2. Any other additional comment about the online system interface? ……………………………………………………………………………………………………… ……………………………………………………………………………………………………… ………………………………………………………………………………

PART C: PLATFORM 1. In your opinion, in which platform would you recommend the system to run on? I. Laptop [ ] II. Mobile devices [ ] III. All the above [ ]

2. Mark in accordance of importance of use as possessed by the system.

Platform features

Online Sacco System

1. Accessibility 2. Interactivity 3. Security 4. Reliability 5. Portability (Cross-platform)

54

3. Any other additional comment about the online system platform? ……………………………………………………………………………………………………… ……………………………………………………………………………………………………… ………………………………………………………………………………

1.3 BUDGET

ACTIVITY

AMOUNT(Ksh)

1

Stationary e.g. foolscaps, pens

2000

2

Photocopying

5000

3

Travelling Expenses

6000

4

Binding

15000

5

System Construction

20000

6

Library and Internet Services

10000

7

Miscellaneous

6000

8

Antivirus

1500

TOTAL

65500

55