| Autors: R. Hakiki., V.I. Delianti., M. Rizkayeni., J.L. Cabanillas-García., Slavov, V. D., S.A. t Jalil. Title: Smart Financial Management for Cooperatives: A Web and Payment Gateway Integration Approach Keywords: : Saving and Loan Cooperative; Web-Based Applications; Payme Abstract: This study introduces a web-based application for savings and loan cooperatives, integrating a payment gateway to streamline financial transactions and improve operational efficiency. Developed using the waterfall methodology, the application enables members to deposit savings, apply for loans, and make installment payments online. Key features include automated financial reporting, secure transaction processing, and accessibility for cooperative managers and members. Black-box testing validated that the system met all functional requirements, ensuring reliable and secure operations. By automating administrative tasks and offering multiple payment options such as bank transfers and e-wallets, the application reduces operational workload, enhances service quality, and supports real-time financial transparency. This solution demonstrates significant potential for transforming cooperative financial management by offering a scalable, user-friendly, and secure approach to improving member References Issue
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