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)

Signature Date

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

NICHOLAS NGOMBO JEFWA

. .

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 users and to identify the necessary features for the acceptable user 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 administer 30 questionnaire to the members 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 users for validation

The importance of the results from this project will enable us to identify if the respondent were
satisfied with the functional features, user interface, navigation design and the platform used.

TABLE OF CONTENT
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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 support............................................................................................. 9
2.2.6 User 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

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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 members 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

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 4.2.2 Home Module............................................................................................... 33
4.2.3 User Registration Module.............................................................................34
4.2.4 Login Module................................................................................................ 35
4.2.5 Members Registration Module......................................................................36
4.2.6 Loan Application Form Module.....................................................................37
4.2.7 Control Panel Module....................................................................................38
4.3 Testing......................................................................................................................................38
4.3.1 Unit Testing.................................................................................................. 39
4.3.2 User Acceptance Testing.............................................................................. 40
4.4 .1 Applying for Membership............................................................................ 41
4.4 .2 Making Payments........................................................................................ 42
4.4 .3 Applying for Loans....................................................................................... 42
4.5.1 Applying for Membership............................................................................. 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: Members Table..............................................................................................................34

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Table 3.5: Administrator 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

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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

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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 User 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 terms of movement. More importantly, it offers great return
to the owners of the transport business in terms of financial benefits and time saved on the road.

Ouma 1999 observes that public transport if well organized and managed, can result to a well-
coordinated 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 Saccos in Kenya, specifically in Mombasa. The issues of Saccos 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.

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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 users. 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 members of a Matatu Saccos in Kenya or belong to a company.
About 1,000 Matatu Saccos and 400 companies have been registered (NTSA, website). Indeed,
The Saccos proved to be the most viable way to manage large public transport eets. They have

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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 Saccos 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 Saccos 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 support 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
members 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 isnt only irritating to the
eyes sight but also hinders one from easily searching for the members 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 user-friendly interface where members are allowed to register
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
loan application with preferred functionality features that improve transport services.
ii. To develop the required platform most preferred by the users that provides secure
registration and authentication for all the users including a personal profile on the online
system
iii. To develop an online system with the acceptable user interface that allow members
registration and easy loans application.

1.5 Research questions

i. Which functionality features of the proposed online system is preferred and will help fast
member registration and easy access to loan application?
ii. What platforms best fits the proposed online system for secure registration and
authentication for all the users?
iii. What are the preferred acceptable user interface features that allow members registration
and easy loans application?

1.6 Scope of the study

This study covers Transport Saccos 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

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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 Saccos 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 members 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 Saccos.
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 sectors 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 Saccos. This will help the managers of Saccos 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

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 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 todays transport sector, there is need to manage more information than ever before without a
solid internal infrastructure for members 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
Members registration
Loan Application
Admin dashboard

User Interface Features Improved online system for efficient transport serv
Navigation Design
Ease of use
Easy to interact with

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 members
and administrator.

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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 users
need so as to improve efficiency. For example, in the proposed system, covers the functions for
the members and administrator. For the members, a login system is to be designed to give them
access to the resources provided by the system. They are given an interface to register
themselves to the Sacco by providing the required information which is sent directly to
administrators dashboard for verification and approval.

On the administrator side, the functions of the system is limited to addition, updating, deleting,
searching and modifying of members database le. They verify all members who have
registered gave the correct information which should be legit.

2.2.5 Platform support

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 supports, 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 clientserver 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 pass the result
to the client web browser. All user 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 support 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 User 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 user-acceptance are user-friendliness and presentation hence
enhances ease of use by its users. It also provides interactive GUI for the user.

Dmitry Fadeyev (2012) explains that clarity in a user interface is great; however, one should be
careful not to fall into the trap of over-clarifying. Clarity is the most important element of user
interface design. Indeed, the whole purpose of user 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 members to
check their details, drivers are able to send their job application and administrator 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 support 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
Saccos, so that none is left out of the online community so created by enjoining 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

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Features:

1. Monitoring Matatu
2. Monitors trips made vehicles
3. Monitor payments by passengers
4. Keeps records of Service & repairs!
5. 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 User 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 Saccos,
promoting accountability, 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 members details

2. Profile members including their passport photos
3. Register vehicles
4. Capture members 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 account
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 support 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
Accounts Management Module ensures that Accounts 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. Members also get quick information on their accounts, savings and
loan balances. Detailed information is captured on members and their activities that can then be
used to assess members portfolio to assess impact. It is also useful in tracking historical
information of the members.

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 user-required formats, which facilitates better understanding, setting priorities,
objectives and strategy. Key performance indicators provide an overview of the organizations
performance, efficiency and effectiveness of business procedures so that timely adjustments can

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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 terms of
functionalities, user 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 members registrations, viewing records, drivers application to job and data
management. Most of the existing systems are web application which have clear navigation
features for system users 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, accounting
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 support and
compatibility with many Operating Systems.

16
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 members online registration and online loan applications by the
members 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

17
 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 account 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 designing 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, User Design, Construction and Implementation.

18
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.

User Design

The functional Design Stage which involves both the users 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 users 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 users and the developer and
model the systems 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. User
aids are also developed to help users 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 user 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 user 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 user 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 user an opportunity to provide feedback, 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 feedback, minimizing the benefits of iterative development.

Team members

This entails using smaller teams for faster application development. Teams consist of
experienced members meet the clients and give priority to the client requirements, through the
help of Joint 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 members, 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 members for Bambu transport Sacco.

Category Population
Members(Car Owners) 57
Total 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%)

Members(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 Interviews are useful for untangling complex topics.

ii The Interviewer can probe deeper into a response given by an interviewee
iii They provide additional information as it allows monitoring of interpersonal skills, non-
verbal cues and emotional tone.
iv 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 feedback.

23
 ii Interviews can be costly especially if travel expenses have to be incurred.
iii Interviewers characteristics can influence interviewees response i.e. interviewees age,
sex, ethnic background, speech patterns or even dressing.
iv 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
period of time and in a relatively cost effective way.
ii Can be carried out by the researcher or by any number of people with limited affect to its
validity and reliability
iii The responses are gathered in a standardized way, therefore more objective than
interviews.
iv Questionnaires can be analyzed more scientifically and objectively than other forms of
research.

Disadvantages of Questionnaires

i Inadequate to understand some forms of information - i.e. changes of emotions, behavior,

feelings etc.
ii There is no way to tell how truthful a respondent is being
iii There is no way of telling how much thought a respondent has put in
iv 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 support.

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. Ability for the members to login and register their details to the system.
II. Drivers are provided with an interface to send job applications
III. Administrator are provided with dashboard to manage data for system.
IV. Inclusion of navigation features that will make manoeuvring through the system easier.
V. Facilitating contact communication between the member/driver and the administrator.

Non-functional requirements

i Availability: the application should be available all the time.

ii User-friendliness; provision of an easy-to-use interface.
iii Consistency in performance even when user levels increase.
iv Portability that the system is integrated with a web interface that will enable the system to
be accessible globally through the internet.
v Usability focuses on speed, accuracy and satisfaction. To achieve this, all web contents
will be organized into modules to ensure consistency.
vi 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 users interaction with the system and
depicting the specification of the use case. A use case diagram can portray the different types of
users 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
 Membership

Apply for
Authorise

Make
Validate Payments

Members Apply for

Approve

Proces
Admin

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 support 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 login, classes register, class appointments and class alerts among others. The
researcher used java to create and implement these classes.

Administrator 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.

Members

System
Login

27
 Login()

Validate User()

Confirmation message() Connect()

[login successful]

Apply for Membership ()

Authorize Membership ()

Make Payments ()

Validate Payments ()

Apply for Loan ()

Approve Loan ()

Figure 3.4 Sequence Diagram for Members

Members Table

28
 Member_ID Field Name Data type Description Constraints
001 member_id Int(6) member_id Primary Key
002 member_Name Varchar(20) username
003 email_Address Varchar(15) email Address
004 password Varchar(10) password
005 id_number Int(8) id number

006 car_numberplate Varchar(15) car Number Plate

007 copyoflogbook Varchar(15) logbook
008 loanapplication Varchar(15) loan_application

Table 3.3 Members Record

Administrator Table

Admin_ID Field Name Data type Description Constraints

001 admin_ID Int(10) admin ID Primary Key
002 contact Varchar(15) Contact messages
003 loan_application Varchar(8) Loan applications
004 payments varchar(15) Registration fee
005 registration varchar(100) members details
007 reg_users varchar(100) Registered users

Table 3.5 Administrator 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 User;

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 user 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 users regarding use and acceptance of the system developed.

The project was to develop online system with a user-friendly interface where members are
allowed to register 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
application with preferred functionality features that improve transport services.
ii. To develop the required platform most preferred by the users that provides secure
registration and authentication for all the users including a personal profile on the online
system
iii. To develop an online system with the acceptable user interface that allow members
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, user interface and
types of platforms that were needed by the user 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 users will be greeted with when
they first access the system. From this module, users will be able to manoeuvre to the other
sections of the system that they would like to access.

4.2.3 User Registration Module

33
Figure 4.2 User Registration Module

The figure above, user registration module interface, enables first time users 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 password and username that he will be using whenever accessing the system.
Once one has registered he/she is listed as a user and is able to access the system from the Login
Module.

4.2.4 Login Module

34
Figure 4.3 Login Module

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

4.2.5 Members Registration Module

35
Figure 4.4 Members Registration Module

The figure above, members registration module interface, enables first time members to apply in
order to be able to be listed as registered 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 members 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 contacted.

4.2.7 Control Panel Module

37
Figure 4.6 Control Panel Module
The figure above, control panel module interface, enables administrator to view all details about
the Sacco. Administrator is able to authorize membership, validate payments and approve
payments made. They also contact all messages sent by members 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 Module Test Objective Expected Actual
Type Name Results
Results

Unit Registration To check whether new Should allow new 41%

Testing
Module users can be registered users to register Success
into the system.

Unit Login Module To check whether Should allow 29%

Testing
registered users can log registered users to Success
in log in.

Unit Members To check whether Should allow 18%

Testing
Registration registered users can registered system Success
Module register as members in users to register as
the Sacco and make members and make
payments fee. payments fee.

Unit Loan application To check whether the Should allow Sacco 12%
Testing
Module members of the Sacco members to apply Success
can apply for loans. for loans.

Table 4.1 Unit Testing

4.3.2 User Acceptance Testing

This refers to the last phase of the software testing process. In User Acceptance Testing, actual
software users, which in this case are members 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 members of the Sacco amounted to about 17, were
involved. The user 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%

Login Module 5 29.41%

Members Registration Module 3 17.65%

Loan application Module 2 11.76%

Table 4.2: User Acceptance Testing

User Acceptance Testing

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

Figure 4.7: User Acceptance

The figure above shows how different modules of the system were received by the users and its
applicability in the Online Sacco system.

4.4 System Functionality Acceptance Rate

4.4 .1 Applying for Membership

Applying for Membership Respondents Percentage

40
Satisfying 13 76%

Not Satisfying 1 6%

Needs Improvement 3 18 %

Table 4.3: Applying for Membership

4.4 .2 Making Payments

Making Payments Respondents Percentage

Satisfying 12 71.5%

Not Satisfying 3 17.5%

Needs Improvement 2 12%

Table 4.4: Making Payments

4.4 .3 Applying for Loans

Applying for Loans Respondents Percentage

Satisfying 11 64%

Not Satisfying 4 12%

Needs Improvement 2 24%

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 User Interface Acceptance Rate

Through use of the system, a number of respondents were asked about the user interface of the
system and their results were tabulated and represented in a figure as shown below.

4.5.1 Applying for Membership

Applying for Membership Respondents Percentage

Satisfying 15 88%

Not Satisfying 1 6%

Needs Improvement 1 6%

Table 4.5 Applying for Membership

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 User Interface Acceptance Rate

100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%

Satisfying Not Satisfying Needs Improvement

Figure 4.9: System User Interface Acceptance Rate

43
The figure above shows the satisfaction level of the respondents when they interacted with the
system user 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 members of the Transport Sacco for about 7 days,
and after their interaction with the system their feedback was noted and taken into account 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 user-friendly
interface where members are allowed to register 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 softwares in order to achieve the desired
results. The softwares used included; MySQL database to host the systems 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 users and owners of the system were involved and
consulted to make sure that it suits their needs. When user acceptance testing was carried out
approximately 41% of the users were satisfied with the registration module, 29% could log in
successfully, 18 % were comfortable with the membership registration module while 12% with
the loan application module. Comments and recommendations made by users 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 supports MySQL would prove hard if not impossible.

Adequate programming skills, posed a challenge as the developer was unable to include a
module whereby users are able to retrieve their passwords 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 password functionality if one forgets
his account password. In such a scenario the users should be able to retrieve their passwords 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 Password reset module which will enable users to retrieve or reset their
passwords 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 members 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.

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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

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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 contact 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 ().

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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 Membership

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 [ ]

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 2. Any other additional comment about the system functionality?

PART B: USER INTERFACE

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

a Applying for Membership

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 [ ]

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 2. Any other additional comment about the online system user 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)

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 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

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