103
FRA Loan Management System Thai Finance Public Co., Ltd.
by Ms. Wiriyaporn Mahaudompun
A Final Repmi of the Three-Credit Course CS 6998 System Development Project
Submitted in Partial Fulfillment of the Requirements for the Degree of
Master of Science in Computer Information Systems
Assumption University
March 2000
Project Title
Name
Project Advisor
Academic Year
FRA Loan Management System Thai Finance Public Co., Ltd.
Ms. Wiriyapom Mahaudompun
Air Marshal Dr. Chulit Meesajjee
March 2000
The Graduate School of Assumption University has approved this final report of the three-credit course, CS 6998 System Development Project, submitting in partial fulfillment of the requirements for the degree of Master of Science in Computer Information Systems.
Approval Committee:
(Air Marshal Dr. Chulit Meesajjee) Dean and Advisor
(Asst.Prof.Dr. Vichit A vatchanakom) Member
(Prof.Dr. Srisakdi Charmonman) Chairman
(Assoc.Prof. Somchai Thayamyong) MUA Representative
March 2000
ABSTRACT
The FRA Loan Management System Project was designed and implemented in
order to study the existing system, identifying the problem, and improving the system
for more proficiency. With much data but without experience in managing this loan, the
system information is confusing and unorganized. The existing system is still operating
in manual system; therefore, the computerized system should be implemented to
enhance the efficiency to become a more the systematic system.
The project covers the system analysis and design of getting loan detail process,
settling process, and receiving payment process. The existing system presents the
problems occurring from manual operations. This project is arranged to overcome many
problems such as data redundancy, data incorrectness, time consuming, etc. The new
computerized system will reduce errors while providing a better control over the process
and a better management information in timely manner for implementation strategies.
The study of this project begins with the requirement definitions and analysis of
the existing system. After studying, it shows the inefficiency in loan document
collection; therefore, the management agrees that FRA Loan Management system
should be changed from manual to the computerized system. The results of the system
study are proposed in various forms such as data flow diagrams, structure chart etc,
which are demonstrated in the process of the existing system. The new system is
implemented in Visual Basic programming and in user interface technology.
The new system had been checked to ensure that there is no error in the programs,
and the outputs of the system are met with the target of the export financing system. To
enhance the effective management of customers, the system should be further developed
to support other bidding loan information.
ACKNOWLEDGEMENTS
First of all, the writer would like to express her gratitude to my advisor, Air
Marshal Dr. Chulit Meesajjee, for his kind and valuable suggestions during the
development of this project, and also to all members of the project committee named as
follows:
Prof.Dr.Srisakdi Charmonman; the MS(CIS) Board Chairman
Asst. Prof.Dr. Vichit A vatchanakorn
Assoc.Prof. Somchai Thayarnyong
Furthermore, she also would like to grant her regards to all her instructors, who
have been giving her not only the knowledge but also all the supports truly needed
during her study.
A special thanks for her department, Corporate Lending Unit at TISCO Finance
Public Co., Ltd. for providing all related information, which is helpful for her project.
Especially, the Head of Department who supported her in her MS study.
Moreover, she would like to thank all of her friends for their support and
assistance. Finally, this acknowledgement would not be completed without her beloved
family, Dad, Mom, Noon and Pun, from whom she always gets their endless support,
encouragement and understanding. She is also grateful to her boyfriend who has
tirelessly lent a hand when needed. Without these wonderful people, she would never
have completed her task.
11
TABLE OF CONTENTS
Chapter Page
ABSTRACT
ACKNOWLEDGEMENTS 11
LIST OF FIGURES v
LIST OF TABLES Vll
I. INTRODUCTION 1
1.1 Background of the Project 1
1.2 Objectives of the Project 2
1.3 Expectation Benefit from Implementation 3
1.4 Scope of the Project 3
1.5 Deliverables 4
II. EXISTING SYSTEM 5
2.1 Background of the Company 5
2.2 Existing Business Function 5
2.3 Existing System Problems 8
2.4 Recommendation of Existing System 9
III. PROPOSED SYSTEM 10
3.1 Requirement Statement 10
3.2 System Design 11
3.3 Proposed Screen Display 16
3.4 Proposed Report Format 16
3.5 Hardware and Software Requirements 17
3.6 Security and Control 20
111
Chapter
3.7 Cost and Benefit Analysis
IV. PROJECT IMPLEMENTATION
4.1 Project Implementation Schedule
4.2 Stages of Implementation
4.3 Results of Implementation
V. CONCLUSIONS AND RECOMMENDATIONS
Page
21
28
28
28
30
33
5.1 Conclusions 33
5.2 Recommendations 34
APPENDIX A CONTEXT DIAGRAM OF PROPOSED SYSTEM 35
APPENDIX B
APPENDIX c
APPENDIX D
APPENDIX E
APPENDIX F
APPENDIX G
APPENDIX H
BIBLIOGRAPHY
DATA FLOW DIAGRAM
DATA DICTIONARY
SYSTEM STRUCTURE CHART
MODULE SPECIFICATION
PROCESS SPECIFICATION
PROPOSED SCREEN DISPLAYS
PROPOSED REPORT FORMATS
IV
36
40
49
53
58
63
75
85
LIST OF FIGURES
Figure
2.1 The Organization Chart of Thai Finance Public Company Limited
3 .1 The Hardware Configuration
3.2 Breakeven Analysis Chart
3.3 Payback Period of the Proposed System
4.1 Gantt Chart of Project Plan, Phase I
4.2 Gantt Chart of Project Plan, Phase II
A. I Context Diagram of the Proposed System
B.1 Data Flow Diagram Level 0 of the FRA Loan Management System
B.2 Data Flow Diagram Level 1 of Get Loan Detail Process
B.3 Data Flow Diagram Level 1 of Settle Loan Process
B.4 Data Flow Diagram Level 1 of Receive Payment Process
D.1 Structure Chart of the FRA Loan Management System
D.2 Structure Chart of Get Loan Detail Process
D.3 Structure Chart of Settle Loan Process
D.4 Structure Chart of Receive Payment Process
G.1 Main Menu Screen of the FRA Loan Management System
G.2 Customer Detail Screen
G.3 Facility Information Screen
G.4 Collateral and Condition Screen
G.5 FCT Detail Screen
G.6 Minimum Settled Cost Screen
G.7 Negotiation Record Screen
G.8 Loan Agreement Detail Screen
v
Page
7
19
24
27
31
32
35
36
37
38
39
49
50
51
52
63
64
65
66
67
68
69
70
Figure Page
G.9 Settlement Detail Screen 71
G.10 Accusative Case Screen 72
G.11 Cash Received Information Screen 73
G.12 FRA Loan Information Screen 74
H.1 Customer Information Report 75
H.2 Loan Detail Report 76
H.3 Collateral Report 77
H.4 Negotiation Record Report 78
H.5 Loan Agreement Report 79
H.6 Settlement Detail Report 80
H.7 Accusative Case Report 81
H.8 FRA Summary Report 82
H.9 Cash Received Report 83
H.10 FCT Detail Report 84
Vl
Figure Page
G.9 Settlement Detail Screen 71
G. l 0 Accusative Case Screen 72
G.11 Cash Received Information Screen 73
G.12 FRA Loan Information Screen 74
H.1 Customer Information Report 75
H.2 Loan Detail Report 76
H.3 Collateral Report 77
H.4 Negotiation Record Report 78
H.5 Loan Agreement Report 79
H.6 Settlement Detail Report 80
H.7 Accusative Case Report 81
H.8 FRA Summary Report 82
H.9 Cash Received Report 83
H.10 FCT Detail Report 84
Vll
I. INTRODUCTION
1.1 Background of the Project
The Ministry of Finance suspended the operations of 16 Thai finance companies
in June 1997, and suspended another 42 Thai finance companies in August 1997. On
October 24, 1997, the Emergency Decree established the FRA (the Financial Sector
Restructuring Authority). Pursuant to the Emergency Decree, the FRA supervises the
rehabilitation of suspended finance companies, assists bona fide depositors and creditors
of the finance companies, and administers a liquidation process for those finance
companies which are no longer commercially viable.
Pursuant to the authority granted by the Emergency Decree, the FRA decided to
liquidate the core assets of the 58 suspended finance companies (FCTs). To date, the
FRA has conducted an auction of hire purchase contracts on June 25,1998, an auction of
residential mortgage loans on August 13, 1998, auctions of corporate and commercial
real estate loans on December 15, 1998 and March 19, 1999, and auctions of
construction loan Sale on May 11, 1999 and July 6, 1999.
Thai Finance Public Company Limited was one successful bidder of the corporate
and commercial real estate loans auctions. FRA loan Unit has responsibility to manage
these loans. After the auction closing date, FRA loan Unit will receive the possession of
loan file from FRA. Each FCT will submit an additional document and all payments
received in respect of the commercial and other loans to the unit.
The FRA loan Unit has to verify that the assignment of the commercial and other
loans is effected and the transfer of the mortgage and other rights is made at the Land
office or other applicable registrar. After a scrutinized analysis from the information, the
undersigned will be negotiating with the Customer who owned the loan. The negotiation
1
Policy allows to waive payments of interest, default interest, fees or indemnities and
settle principal comparing to biding cost or extend to short-term loan.
This project has been performed in order to study FRA Loan Management
System. According to a few-year established of FRA and the loan from bidding coming
from many FCTs, there are a lot of unorganized documents. After investigating the
existing system, the problem stemmed from the difficulty in controlling, gathering and
correcting data effecting to time consume. The daily operation is still mostly using
manual system. Some information are kept in Microsoft Excel Program; therefore, the
computerized system is required for supporting.
The information flowing in FRA loan management system consists of loan
information, Customer information, Collateral information, and Payment information.
The manual system performs inefficiency; therefore, to handle the problems, the new
system must improve the data consistency, accuracy, and reliability. The new system
should be user-friendly and convenient to control and maintain.
1.2 Objective of the Project
The objective of this system aimed to analyze, design, and develop a
computerized information system to support FRA loan management system. After the
study of the existing system, this project is suggested as a system that can enhance the
business function in terms of capability and control. The objectives of this project are as
follows:
(1) To study the problems of the existing manual system.
(2) To increase speed of validation and reliable system.
(3) To be able to quickly access previous record required.
( 4) To increase effectiveness and efficiency of the system.
(5) To provide more accurate information and the quality of information by
2
reducing the human error, and the inconvenience caused by manual work.
(6) To generate the variety of report forms from computerized system.
(7) To reduce the data collecting time and operating cost including manpower
related to the system because the system can replace some of the employees
in handing document-based works, and the management will have more
control over the budget management.
(8) To reduce the number of errors which come from the manual system.
1.3 Expectation Benefit from Implementation
The anticipated benefits, which the company will receive from implementing, can
be classified as following:
(1) Reduction of time consuming in the process
(2) Efficiency in organizing all loan documents
(3) Accuracy in data and system auditing
( 4) Reduction of data redundancy, and data inconsistency
(5) Improvement of the information flows in the organization
( 6) Beneficial report provided for management team
1.4 Scope of the Project
The tasks of the FRA loan management process comprise of taking and checking
the loan documents from FRA, analyzing the whole data and negotiating with the
customer as well as receiving payment. The fundamental data includes customer data,
loan detail, collateral, the settle condition, and so on. Problems of unorganized and
incomplete database system result in unreliability, invalidity and obsolescence in many
companies. Therefore, the project is analyzed in term of causal analysis, data model,
and process model. This project will focus on the basic requirements of the FRA loan
unit, which are summarized as follows:
3
(1) To provide and update the loan information.
(2) To design the appropriate database with the hardware and software related.
(3) To query the loan details, settlement price, etc. as quickly as possible.
( 4) To generate appropriate settled price solution and gather the necessary
information for decision making.
(5) To provide the various kinds of reports such as FRA loan detail report,
Collateral report, Loan settlement report, filing case report and etc.
1.5 Deliverables
The deliverables for the FRA loan management System are as follows:
( 1) The application software that is developed by Visual Basic
(2) The screen layout for user interface.
(3) Management Information System
( 4) The various hard copy layouts containing:
(a) Customer Information Report
(b) Loan Detail Report
( c) Collateral Report
(d) Negotiation Record Report
( e) Loan Agreement Report
(f) Settlement Detail Report
(g) Accusative Case Report
(h) FRA Summary Report
(i) Cash Receive Report
(j) FCT Detail Report
4
II. EXISTING SYSTEM
2.1 The Background of the Company
In 1992, Thai Finance Public Company Limited was established with a registered
capital of 1,000 million baht to operate a finance business. Utilizing the full set of
finance business licenses, Thai Finance continues to offer an extensive range of
financial services to the customers. The company provides financing, advice and
transaction execution across a broad range of financial instruments which are made
available for various sized corporations, fund managers, governments, financial
institutions, and individual customers.
2.2 Existing Business Function
2.2. l Credit Department
This department is divided into 3 units.
Wholesale Unit : To fulfill corporate customer's borrowing requirements for
commerce and for development through various types and terms of lending services
which are: working capital loans, project loans, term loans, loan arrangement, and
guarantee and aval.
Retail Unit: To serve customer's need for housing-related loan. The unit provides
loans to homebuyers, home developers and medium sized businesses.
FRA Loan : To manage the bidding loan from FRA. The unit's responsible for
collecting and preparing data for negotiating with customer.
2.2.2 Financial Control Department
This department consists of Accounting Unit, Cashier Unit and Data Room.
Accounting Unit: To generate financial Statement, Cash Flow statement, daily
accounting reports, monthly accounting reports and annual accounting reports.
5
Cashier Unit: To control cash flow in the company such as receiving payment,
arranging cheque and generating receipts.
Data Room: To collect all loan documents and collateral ofloan for security.
- 2.2.3 Compliance Department
This department is classified into 2 units
Appraisal Unit: To survey collateral's location and evaluate the appraisal value.
Legal Unit: To summarize and manage unserviceable loan to the Court.
2.2.4 Personnel and Administration Department
Personnel Unit: To recruit and train the new employees including their benefits
such as hospital expenses, provident fund and social security.
Admin Unit: To service and manage the customer affair and to coordinate with
other departments.
6
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2.3 Existing System Problems
Overview of the FRA Loan Management System
FRA Unit received the primary detail and document of the bidding loan from
FRA and additional documents with received payment from FCT. The loan detail has
been kept in form of paper file. The undersigned will gather all information comprising
of bidding cost, collateral, loan outstanding, customer credit and collateral price into the
paper and analyze the appropriate settled price in the Microsoft Excel for negotiating
with customers. The result from the meeting will bring about the loan agreement
records, the settled price and payment conditions. The case file will be sent to the legal
unit when the obligation is not met and then the Legal unit will prepare the loan case to
the court. On due date, the customer will pay the installment and interest at the Cashier
unit. The receipt will be sent to the customer by mail. The copy of receipts will be
recorded in file.
The current problems of the existing system are as follows:
(1) Using manual system in computing amount of money in issuing report and
outstanding balance are time-consuming.
(2) Report and Outstanding balance may be inaccurate and unreliable due to the
manual system.
(3) Difficulty in finding the customer's files and it takes a long time to search
the details of loan since all data are recorded in files on shelves, not in the
computer memory.
( 4) Some work processes are overlapped which causes work duplication.
The area for improvements to these stated problems above will emphasize on the
areas as follows:
(1) Data entry in detail ofFRA loan document. For example:
8
(a) Customer details
(b) Loan details
( c) Collateral detail
(d) Etc.
(2) The cost that is assigned to each loan must be shown accurately and must be
easy to uncover.
(3) Reports and outstanding generated from the data kept in the database must
be sent to each responsible department
2.4 Recommendation of Existing System
As Thai Finance Public Company Limited got the corporate and commercial real
estate loans from FRA auctions, the FRA loan Unit was set up to arrange for these
loans. The unit does not have database and computerized system to support the
operation. All data was organized and kept in paper file. Some parts of the customer
information was recorded by using Microsoft Excel application.
According to many auctions of residential mortgage loans, corporate and
commercial real estate loans and construction loans, which have been declared in 2000,
FRA unit has an opportunity to get more loans to manage. Because there are problems
in the existing system, it is necessary to implement a computerized system in the FRA
Loan Management System for accuracy and efficiency in managing loan documents.
9
III. PROPOSED SYSTEM
3.1 Requirement Statement
The company needs accurate and timely FRA Loan Management Information
System which can provide data as follows:
(1) Providing a customer profile involved in the FRA loan. The profile consists
of the customer's name, address, contact name and number, drawdown date
and loan expiry date.
(2) Providing an existing amount ofFRA loan for each customer
(3) Providing a detail of FRA loan collateral which should include the location,
size, building, appraisal price, etc.
( 4) Providing the bidding cost of each loan. The FRA unit has a duty to allocate
the total bidding cost of each loan related to the loan amount and collateral.
(5) Producing the monthly interest ofFRA loan.
( 6) Producing the necessary reports for company management such as
Settlement detail report, Accusative case report, Payment report, Accrued
Payment report, etc.
(7) Providing an output screen to printer
The user requirements are translated into system characteristic during design. An
information system can meet user needs since it can accomplish the followings:
(1) Perform the right procedures properly
(2) Perform the effective database management system
(3) Present information and instructions in an acceptable and effective fashion
(4) Produce an acceptance interface and method of interaction
(5) Is perceived by user as a reliable system
10
13C1 ~1 The requirement from the user can be stated that the new proposed system should
be able to perform as follows:
(1) All data can be controlled and accessed upon right request
(2) Application is easy to use and implement
(3) Generate reports upon request
( 4) Increase effectiveness and efficiency of each work process
(5) Maintain the consistency and integrity of the kept data
(6) Provide necessary data, such as analysis report for management decision
(7) Reduce time operation consuming
(8) Reduce and accelerate work flow of information through the company
(9) Minimize the redundancy data
3.2 System Design
The new proposed system was designed with an aim to solve the current problems
existing in the existed system as stated before and also to meet all of the user
requirements. The techniques used to analyze and design the new system are the context
diagram, the data flow diagram (DFD), and the structure analysis.
The Structure Analysis is a systematic, top-down technique that refines the
objectives representing in term of a layered model of system requirement. The basic
tools that are used to analyze and design in this project are:
(1) Context Data Flow Diagram
(2) Data Flow Diagram (DFD)
(3) Data Dictionary
(4) System Structure Chart
(5) Process Specification
11
3.2.l Context Diagram and Data Flow Diagram (DFD)
The Context Diagram defines the scope and boundary for the system and project.
It is also subject to constant change.
In Appendix A, figure A-1 shows the context diagram of FRA Loan Management
System associating with seven external entities: FRA, FCT, customer, appraisal
department, data room, cashier and legal department.
Input data that flow into the system are listed below:
(I) Loan document from FRA
(2) Additional document and payment received from FCT
(3) Appraisal value of the collateral from Appraisal Department
( 4) Proposed price from customer
( 5) Signed Loan Agreement from customer
(6) Principal and interest payment from customer
(7) Receipt from cashier
Output from the system are listed below:
(1) Collateral detail to Appraisal Department
(2) Verified document and collateral to keep in Data room
(3) Loan agreement to customer
(4) Receipt to customer
(5) Accusative case and accrued payment to Legal Department preparing to the
court
12
3.2.2 Data Flow Diagram
Data Flow Diagram (DFD) is a tool to predict the flow of data through a system
and the work or processing performed by that system. The data flow diagram serves two
purposes; ( 1) to provide an individual of how data are transformed as they move
through the system, and (2) to depict the functions and sub-functions that transform the
data flow.
The level 0 diagram is the high level of data flow diagram for the system, which
shows all major processes, and major data flows from the "area being studied" of the
context diagrams.
The followings explain the data flow diagram symbols.
(1) External entity represented by rectangle is the originator or receiver of data
and information.
(2) Process is depicted by a circle showing the transformation of the data.
(3) Data store symbol portrays a file or database in which data is stored.
( 4) Data Flow symbol is used to show the flow or movement of data among
processes, external entities, and data stores.
The level 0 data flow diagram of FRA Loan Management System is shown in
Appendix B.
The processes of new proposed system
Process 1 : Get Loan Detail Process
Process 1.1: Gather Data process
To receive the loan document from FRA
To receive additional document and payment received from FCT
Process 1.2: Verify and Check Data Process
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To verify the number of FRA loan customers
To check all documents in term of customer detail, loan detail and
collateral
To Submit collateral detail to the Appraisal Department to evaluate
the value
Process 1.3: Input Detail Process
To enter data into database system
To store customer record in FRA loan detail File
To forward the verified document to Data Room
Process 2: Settle Loan Process
Process 2.1: Calculate cost Process
To assign minimum percentage cost to each loan
To get the appraisal price of collateral
To calculate acceptable settled price
Process 2.2: Negotiate with customer Process
To negotiate with the customer who owns the loan finding the
appropriate settled price
Process 2.3: Prepare LOA Process
To record the settlement conditions in the Loan Agreement (LOA)
To send LOA to customer
Process 2.4: File Accusative Case Process
In case the obligation is not met, the case will be filed to the Legal
Department for court preparation.
Process 3: Receive Payment Process
14
Process 3. I Receive Cash Process
To receive principal and interest repayment
To issue cash receipt to customer
To update the loan outstanding
Process 3 .2 Generate Report Process
To validate loan Information
To generate report for record and management
3.2.3 Data Dictionary
The data dictionary is a repository that contains descriptions of all data objects
consumed or produced by software. It is used to support the data flow diagram. It
contains all definitions of data flows, data stores, and processes related to a specific
system. The data dictionary is represented in Appendix C.
3 .2.4 System Structure Chart
A system structure chart is used to graphically depict a modular design of a
program. Specifically, it shows how the program has been partitioned into smaller more
manageable modules, the hierarchy and organization of modules, and the
communication interfaces between modules. The system structure chart of this project is
shown in Appendix D. The explanation of the module specification is represented in
Appendix E.
3.2.5 Process Specification
The process Specification (PSPEC) can be used to specify the processing details
implied by a bubble within a DFD. It describes the input to a function, the algorithm
that is applied to the input and the output that is produced. In addition, the PSPEC
indicates restrictions and limitations imposed on the process (function), performance
15
characteristic that are relevant to the process, and design constraints that influence the
way in which the process will be implemented. A description of each function presented
in the DFD is contained in a process specification. The process specification of this
project is represented in Appendix F.
3.3 Proposed Screen Display
The screen displays are designed to input the data and present the output data
from the system. The qualified screen should be easy for the user. The format of the
screen displays is the hypertext menu. The screen display consists of:
(1) FRA Loan Management System Menu Screen
(2) Customer Detail Screen
(3) Facility Information Screen
( 4) Collateral Detail Screen
(5) FRA Detail Screen
( 6) Minimum Settle Cost Screen
(7) Negotiation Record Screen
(8) Loan Agreement Screen
(9) Settlement Detail Screen
(10) Accusative Case Screen
(11) Cash Receive Information Screen
(12) FRA Loan Information Report Screen
All screen displays are shown in Appendix G.
3.4 Proposed Report Format
The report formats consist of:
.(1) Customer Information Report
16
(2) Loan Detail Report
(3) Collateral Report
(4) Negotiation Record Report
(5) Loan Agreement Report
(6) Settlement Detail Report
(7) Accusative Case Report
(8) FRA Summary Report
(9) Cash Received Report
(10) FCT Detail Report
All report formats are shown in Appendix H.
3.5 Hardware and Software Requirements
The FRA Unit will use computer for the new proposed FRA Loan Management
System to record the loan detail ready to be retrieved for the organization. There will be
one NT server as a Database Server, two Microcomputers and one Laser printer as a
network printer for report printing.
The hardware requirement for the proposed system is as shown below:
(1) Window NT server 1 system
CPU Dual Pentium Pro 200 MHz
256 KB Cache Memory
64 MB Main Memory
8.4 GB Hard Disk
14" SVGA Color monitor
Floppy Disk Drive 1.44 MB
101-Key Keyboard
17
Mouse
CD ROM Drive
2 serial, 1 Parallel, 1 Mouse Port
(2) PC Client 2 Systems
CPU Intel Pentium 166 MHz
256 KB Cache Memory
32 MB Main Memory
14" SVGA color monitor
1.6 GB Hard Disk
3.5" Floppy Disk
Keyboards 101 keys Thai/Eng.
Mouse
2 serial, 1 Parallel, 1 Mouse Port
(3) Laser Printer 1 System
Print speed up to 8 ppm
600*600 dpi Resolution
2 MB Memory
100-Sheet tray
Network Interface Card
The Software Requirement for the proposed system is as shown below
( 1) NT Server
Windows NT Operating System
Oracle 7 .3 for Windows NT
Visual Basic Version 6.0
18
(1) Client
Windows 95 Operating System
Visual Basic Version 6.0
Mcafee Scan for virus
1--------------------------------------------------------------------, I I I I I I I I I I I
Server
I -I I I I I I I I I I
FRA unit ----------------------------------r--------------------------
PC Computers
D_ ~0'1------'
'-----"=='-J I
Wholesale Unit I I I I I
--------------------------'
PC Computers
Network of other
Departments
,--------------------------~ I 1
: Retail Unit : I I
I
PC : I I
, Computer : ~--------------------------'
Figure 3 .1. The Hardware Configuration of Credit Department.
19
3.6 Security and Control
One of the most important considerations in the development of system operation
is security. Since a user-friendly program is created, anyone can access the program if
needed. Therefore, to keep the accuracy of data, FRA unit needs to be extremely careful
at this point. The security strategies are listed below:
3.6.1 Program Security
All data files and system programs are stored on secondary storage such as
harddisk, diskette, etc.
3.6.2 Backup Data Periodically
All data are backed up at the end of the day and kept in a secure place.
3.6.3 User Authentication
All users can access m database by usmg their userID and password. Only
authorized person can get into the program.
3.6.4 Password Must Be Changed Periodically
Password must be specified by only user, and nobody can know the other
password. Password must be changed every 60 days.
3.6.5 Updating User ID
The user ID of resigned users must be deleted so that they cannot access to the
system. Deleting password is to prevent the person from getting into and destroying the
system.
3. 6. 6 User training
Train users according to their knowledge levels:
Users in the field of System Administration take care of the system
End users who use only the application
20
3.7 Cost and Benefit Analysis
3.7.l Cost Analysis
Manual System in the first year Baht
Staff 450,000
Stationary Cost 55,000
Office Equipment Cost 40,000
Utility Cost 50,000
Total Existing System Cost 595,000
Computerized System
Tangible Cost
Development Cost Baht
Hardware 254,000
Software 88,000
Implement Cost 280,000
Office Equipment Cost 20,000
Operating Cost
staff 300,000
Maintenance Cost 20,000
Stationary Cost 30,000
Training Cost 40,000
Utility Cost 30,000
Total Computerized Cost 1,062,000
Intangible Cost
Cost of operation transform
21
Cost of disruption daily operation
Cost of backing data in case of new system failure
3.7.2 Benefit Analysis
Tangible Benefit ( first year)
Office Equipment Cost reduction
Operation cost reduction
Total Cost Saving
Intangible Benefit
Improved efficiency of utilizing the resources
Improved efficiency of the operation
Improved data consistency and data integrity
Decrease work processes and time
3.7.3 Costs and Benefit Comparison
20,000
135,000
155,000
The principle objective of the comparison is to evaluate the break-even point of
the cost and benefit of the current system and the proposed system. The break-even
point represents the time when the benefit is equal to the investment cost.
In the first year, which is the investment year, the cost will be numerous amounts
due to installation of both the hardware and software. The maintenance cost will be
fixed every year.
The benefit, approximately 115,000 Baht , stemmed from the reduction due to less
waste and less effort when applying the new system.
The cost comparison of the current system and the proposed system is shown in
Table 3.1. and the break-even analysis chart is shown in Figure 3.2.
22
Table 3.1. Cost Comparison between the Existing System and Proposed System.
Cost Items Years
0 1 2 3 4
Existing S):'.stem :
Staff 450,000 472,500 496,125 520,931 546,978 ( increase 5% per year) Stationary Cost 55,000 57,750 60,638 63,669 66,853 ( increase 5% per year)
Office Equipment Cost 40,000 40,000 . 40,000 40,000 40,000
Utility Cost 50,000 52,500 55,125 57,881 60,775 ( increase 5% per year )
Total Cost ( Baht) 595,000 622,750 651,888 682,482 714,606
Cumulative Cost ( Baht) 595,000 1,217,750 1,869,638 2,552, 119 3,266,725
Proposed S;tstem :
Development Cost
Hardware Cost 50,800 50,800 50,800 50,800 50,800
Software Cost 17,600 I 7,600 17,600 I 7,600 17,600
Implement Cost 280,000 - - - -
Office Equipment Cost 20,000 20,000 20,000 20,000 20,000
Operating Cost
Staff 300,000 315,000 330,750 347,288 364,652 ( increase 5% per year ) Maintenance Cost 20,000 21,000 22,050 23, I 53 24,3 IO ( increase 5% per year) Stationary Cost 30,000 3 I ,500 33,075 34,729 36,465 ( increase 5% per year )
Training Cost 40,000 20,000 20,000 20,000 20,000
Utility Cost 30,000 31,500 33,075 34,729 36,465 ( increase 5% per year )
Total Cost ( Baht ) 788,400 507,400 527,350 548,298 570,292
Cumulative Cost ( Baht) 788,400 1,295,800 1,823, I 50 2,371,448 2,941,740
23
Cumulative Cost (baht)
3,500,000.00
3,000,000.00
2,500,000.00
2,000,000.00
1,500,000.00
I ,000,000.00
500,000.00
0
Breakeven Point
~
• I I I I I l 1.7 years I I ..
2 3
- Computerized
Figure 3.2. Breakeven Analysis Chart.
24
4 Years
3.7.4 Payback Period for Proposed System
The payback analysis technique is a simple and popular method to determine if
and when an investment will pay for itself. Because the system development costs are
incurred long before benefits begin to accrue, it will take some time period for the
benefits to ove1iake the costs. After implementation, additional operating expenses must
be recovered. Payback analysis determines how much time will lapse before accrued
benefits overtake accrued and continuing cost. The period of time is called the payback
period.
The investment costs or development costs of this system are 378,400 Baht in
Year 0. The maintenance cost is approximately 20,000 Baht per year. The benefit
derived form this proposed system in the first year is 155,000 Baht. It will increase 10%
each year. The payback period of this proposed system is about 2.9 years.
25
N °'
..
Tab
le 3
.2.
Pay
back
Ana
lysi
s.
Cos
t ite
ms
Dev
elop
men
t cos
t M
aint
enan
ce C
ost
Dis
coun
t Fac
tor
for
12%
T
ime-
adju
sted
cos
t C
umul
ativ
e ti
me-
adju
sted
cos
ts o
verl
ifet
ime
Ben
efit
der
ived
fro
m o
pera
tion
of n
ew s
yste
m
Dis
coun
t Fac
tor
for
12%
T
ime-
adju
sted
ben
efit
C
umul
ativ
e ti
me-
adju
sted
ben
efit
s ov
erli
feti
me
Cum
ulat
ive
tim
e-ad
just
ed c
osts
+be
nefi
ts (
Bah
t)
0 1
(348
,400
.00)
(2
0,00
0.00
) 1.
0000
0.
8929
(3
48,4
00.0
0)
(17,
858.
00)
(348
,400
.00)
(3
66,2
58.0
0)
155,
000.
00
1.00
00
0.89
29
0.00
13
8,39
9.50
0.
00
138,
399.
50
(348
,400
.00)
(2
27,8
58.5
0)
Yea
rs
2 ..,
4 .)
(20,
000.
00)
(20,
000.
00)
(20,
000.
00)
0.79
72
0.71
18
0.63
55
(15,
944.
00)
(14,
236.
00)
(12,
710.
00)
(382
,202
.00)
(3
96,4
38.0
0)
(409
,148
.00)
17
0,50
0.00
18
7,55
0.00
20
6,30
5.00
0.
7972
0.
7118
0.
6355
13
5,92
2.60
13
3,49
8.09
13
1,10
6.83
27
4,32
2.10
40
7,82
0.19
53
8,92
7.02
(1
07,8
79.9
0)
11,3
82.1
9 12
9,77
9.02
---------------~----------------.
Cumulative Cost (baht)
200,000.00
l 00,000.00 - Payback Period
0. 00 ------------,-----, \t
(100,000.00) -
(200,000.00) ..
(300,000.00)
(400,000.00) ~---·
2.9 years
---~-----·-··---------------
Figure 3.3. Payback Period of the Proposed System.
27
Years
IV. PROJECT IMPLEMENTATION
4.1 Project Implementation Schedule
The project implementation can be divided into 2 main parts: System Design and
System Implementation.
(I) System Design
This part is to gather all information of the existing system, how data
flows, how data relates to each other and how data is kept. After gathering,
we will identify the area under the problem study. At this stage, the context
diagram and the data flow diagrams of the existing system are created. The
workflow of the existing system is also developed too. The new workflow,
such as the context diagram and the data flow diagrams at many different
levels are designed with an aim to solve the problems which exist in the
existing system. The relationship of the data in each file is studied in .order
to re-define the best relation among them. Steps of work at each process are
defined in order to reduce the duplication of the work.
(2) System Implementation
This stage is to implement all the designs into real things. A program
which supports the workflow is created. All screens, such as input/output
screens and various kinds of report are generated to support the designed
workflow. After that, the program will be tested and then trained to the user
of the system when the test is accepted.
4.2 Stages of implementation
Project implementations consists of 2 main stages that are constructing the new
system and delivering the system into operation.
28
4.2.1 Construct the New System
To build the new system, it's necessary to construct the database, input/output
screen. The Visual Basic is used to create friendly user interfaces and manage the
database of the system. Testing the program is needed to ensure that there is no error in
the program, and the output of the system meets the target of the export financing
information system of the organization project. The testing includes program testing,
system testing, and recovery testing.
Program Testing
We performed the testing of each module independently to detect an error in
coding and logic that contained within that module alone. These result from the
interaction between the modules and initially are avoided.
System Testing
We tested the whole system modules to find discrepancies between the system,
the outputs that meet the original objectives, and the compatibility of each module to
ensure that the system is consistent.
Recovery Testing
By assuming that the system fails, the system must be reloaded and recovered
from the backup copy files and continuously run without re-installation of the whole
system.
4.2.2 Deliver the System into Operation
To install the program, the system specialist must determine the specification of
the location; where the system will be sited, the electrical wiring fixed, the air
conditioner installed, and humidity controlled. The site preparation must be completed
29
before the arrival of the equipment. The electrical cord should be checked to ensure that
they are free of power fluctuations.
The users should be trained in order to develop capacity in operate and control the
proposed system. The staffs should have basic knowledge of the proposed system and
can apply the knowledge in daily work.
4.3 Results of Implementation
Because of the lack of knowledge in the existing system as well as the lack of
experience in the new computerized system, many problems can occur during the
testing and executing stage. The error resulting from unknown staff can be solved by
analysts and programmers who have to explain and train the staff step by step and try as
much as possible to assist each user individually. The program coding error will be
recovered by re-checking and correcting the program. All problems have been adjusted
immediately in order to satisfy the system requirement and reach the objectives of the
project.
30
IO. I
P
hase
I
No.
W
ork
Bre
akdo
wn
July
A
ugus
t S
epte
mbe
r O
ctob
er
5 12
19
26
2
9 16
23
6
13
20
27
4 11
18
25
1 1.
Sys
tem
Des
ign
~
.. ~
.... 2
I. I
Con
figu
re a
fea
sibl
e ta
rget
sol
utio
n ~
L
.... ...
3 I.
I. I
D
efin
e ca
ndid
ate
solu
tion
!··
··-···
. J. ..
4 1.
1.2
Ana
lyze
fea
sibi
lity
I
·····-·······~···1
5 I.
I .3
R
ecom
men
d a
syst
em s
olut
ion
.. !·-
-·-···
-- . 6
I. I
.4
Sys
tem
Rec
omm
enda
tion
I
, .•. ,. !
w
7 1 .
2 D
esig
n an
d in
tegr
ate
the
new
sys
tem
;_
,,,,
L
! """
....
1.2.
1 A
naly
ze a
nd d
istr
ibut
e da
ta
.. 8
I I··
······
-9
I .2.
2 A
naly
ze a
nd d
istr
ibut
e pr
oces
s I
····-··
·
IO
I .2.
3 D
esig
n D
atab
ase
.., II
'····--·
·-·--
I .2.
4 D
esig
n ou
tput
s an
d in
puts
I
I I
I \
I .2.
5 R
evie
w d
esig
n I
.., I2
I
, • Task.____~
Pro
gres
s --
·-··--
·..,..
M
iles
tone
+
S
umm
ary
• II
Fig
ure
4.1.
G
antt
Cha
rt o
f Pro
ject
Pla
n, P
hase
I.
w
N
10.2
P
hase
II
No.
W
ork
Bre
akdo
wn
13
2. S
yste
m I
mpl
emen
tati
on
14
2.1
Con
stru
ct th
e ne
w s
yste
m
15
2.1.
1 C
onst
ruct
the
data
base
16
2.1.
2 C
onst
ruct
the
inpu
ts
17
2.1.
3 C
onst
ruct
the
outp
uts
18
2.1.
4 C
onst
ruct
the
user
int
erfa
ce
19
2.1.
5 W
rite
and
tes
t un
it p
rogr
ams
20
2.2
Del
iver
the
syst
em i
nto
oper
atio
n
21
2.2.
1 In
stal
l th
e sy
stem
to
oper
atio
n
22
2.2.
2 C
ondu
ct th
e sy
stem
tes
t
23
2.2.
3 T
rain
use
rs
24
2.2.
4 C
ondu
ct th
e pr
oduc
tion
tes
t
25
2.2.
5 D
eplo
y th
e sy
stem
26
2.2.
6 O
pera
tion
al s
yste
m
: .
Nov
embe
r D
ecem
ber
Janu
ary
Feb
ruar
y 1
8 15
22
6
13
20
27
3 10
17
24
7
14
21
28
~
.._
~
r
~
.._
; ,..
r
"' ····
·• I
!······
··· ····
········
·····•·
····~
I
I·······
····
' T
I·······
·; T
I
~
~
. ~
,.. ,,.
·T····
··:;;,
I _
;_
I T
I
'········
· T
I ....
..... '
~·;· +
Tas
k....
._ _
___.
Pro
gres
s .....
..........
..... ~
Mil
esto
ne +
S
umm
ary .
~
Figu
re 4
.2.
Gan
tt C
hart
of P
roje
ct P
lan,
Pha
se I
I.
V. CONCLUSIONS AND RECOMMENDATIONS
5.1 Conclusions
To expanse the finance business to gain more income, the managing in bidding
loan from FRA is one of the fascinating methods to get profit margin from the bidding
cost. Thai Finance Public Company Limited realized the prospective profit channel,
therefore, the FRA unit was set up to support the loan management. The unit is
responsible for receiving all documents of successful bidding loans from FRA. FCT, the
suspended finance company, summarized all documents, and grouped them in paper
file. The loan file will be accessible when the document is required. A problem happens
when there are a lot of documents in file and many officers would like to use the same
file, which results in a loss of document and inefficiency in data management. The other
difficulties in this system are the data collecting time, operating cost and number of
errors from manual controlling. To have a better system performance, the management
committee agreed to develop a new system to increase the speed of validation and
reliability of data, to provide quick access, and to reduce data mistake, etc. The proper
way to develop the new system is to convert the manual system into the computerized
one where all data will be collected in a security database system.
Degree of Achievement of the Proposed System Compared with the Existing System
The benefits from the proposed system presented in Transaction Processing
System at the operational level, task, resources, and goals are more structured. The
computerized system will perform and record the daily routine transactions effectively.
Most processes will take less time and retrieving information will be more convenient.
Table 5.1 shows the time spent per company profile on each process of the Proposed
System compared with the Existing System.
33
Table 5.1. Degree of Achievement between the Proposed System and the Existing System.
Process Existing System Proposed System Gather Data Process 2 hrs. 2 hrs. Verify and Check Data Process 3 hrs. 3 hrs. Input Detail Process 40 mins. 15 mins. Calculate Cost Process 30 mins. 5 mins. Negotiate with Customer Process 1.5 hrs. 1 hr. Prepare LOA Process 4 hrs. 3 hrs. Receive Cash Process 10 mins 5 mins. Generate Report Process 30 mins 15 mins.
Total 12 hrs. 20 mins. 9 hrs. 40 mins.
5.2 Recommendations
The computerized system was recommended to substitute the existing manual
system. The computerized system will strengthen the FRA Loan Management System
performance by maximizing the data utility, allowing the user access and updating the
information concurrently, providing the convenience of storing loan document and
producing the beneficial report to Management Committee. The new system 1s
implemented in Visual Basic, which makes the user interface program easy to
understand. However, to be able to use the program, the user training program is
required. The users must be familiar with the FRA Loan Information System because
they need to control the FRA system.
And to ensure that the new system reaches the maximum capability, an
evaluation of the performance of the new system is needed at a period of time. This can
be done by making an inquiry among the end-users and management stratification. And
then the comparison between the new and old system can be made. In the future, the
system should be developed to a larger scale to support more loan information.
34
0
APPENDIX A
CONTEXT DIAGRAM OF PROPOSED SYSTEM
w
Vi
FR
A
FC
T
App
rais
al
Dep
artm
ent
Dat
a R
oom
e,~\
,
c,oc,-
V.~
. ~\.e,C.
\6
1>
-..:1 e,'
\.\.
(p»-'l>
FR
Alo
an
Man
agem
ent
Syst
em
Pay
men
t
Rec
eipt
Fig
ure
A.1
. C
onte
xt D
iagr
am o
f the
Pro
pose
d Sy
stem
.
Cus
tom
er
Cas
hier
Leg
al
Dep
artm
ent
APPENDIX B
DATA FLOW DIAGRAM
FRA
FCT
Custorrer
Loan Document
Loan Document, Payment Received
>----------<~
-------1
Get Loan Detail
Verified Loan Detail
Proposed Price
LOA
Signed LOA v,.,
2
Settle Loan
Verified Document, Collateral
Data Room
Loan and Collateral Detail
I I FRA lo an info File
Collateral Detail
Appraisal Value
Accusative Case
Appraisal Department
Loans ettlemen t file
Payment Settlement Condition
Legal Department
Receipt 3 Accrued ayment
Payment Receive Payment Accusative
Case Report Receipt
Cashier Cash Received file Accusative Case File
Figure B. l. Data Flow Diagram Level 0 of Existing System.
36
FRA
FCT
Loan Thcument
/ M-~ Gather \
(
1.1 ~
Data )--~
Loan Document, Payment Received
'~--- -r·-~
1.2 Verify
Loan Thcument
and Check Data
Loan and Collateral Th tail
FRA loan Info File
1.3
Input Th tail
Verified Loan Th tail
Verified Loan Thcument
Verified Document, Collateral
Collateral Th tail
Data Room
Appraisal Department
Figure B.2. Data Flow Diagram Level 1 of Get Loan Detail Process.
37
l'll
r Apprai'"I Department
I '\7
Verified Loan ~tail
Appraisal /' !~:':j---,, Value ( \
r-b.~ ; ':::fl Calculate ) T L.--A:..µ Cost ---
\ / --- _,/"'
I
2
Minimum Settle Cost
(-~~-24-)' Accusative[> Accusative Case Case
I Proposed Price ~g~~iat:) Custoirer H-'I , ____ __, y with
''-.... // --- .. .c=:;.---
Accusativel
Case I
!
~sto~~
I j 1
T Sottlanent I ~tail
I LOA /~--Signed LOA
Settlement ~tail Prepare\)
LOA '~·------~
--~--e::::i~--/ _/
y Settlement i Condition !
I I
£
Figure B.3. Data Flow Diagram Levell of Settle Loan Process.
38
Custom:r
Legal
Department
Condition
Accrued Payment _,--3.2
Generate
Report
. r Aoc"'atiw
Case Report
Accusative Case File
Cash Received
Report
[_J
Cash Received file
Figure B.4. Data Flow Diagram Level 1 of Receive Payment Process.
39
APPENDIX C
DATA DICTIONARY
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Accusative Case
Data Flow
The loan that can not be settled or the lender can not afford to pay
will be sent to the Legal Department, preparing to be issued to the
court.
Accusative Case Report
Data Flow
The report that summarizes the accusative case is sent to the
Legal Department.
Accrued Payment
Data Flow
The accrued payment that the customer did not pay on due date
will be sent to the Legal Department.
Appraisal Value
Data Flow
The evaluated value of the collateral.
Cash Received Report
Data Flow
The report ofreceiving the customer's payment.
40
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Collateral Detail
Data Flow
The detail of location, area, size, mortgagee and mortgage value
of collateral.
Loan and Collateral Detail
Data Flow
The summary of loan and collateral to be recorded in FRA Loan
Information File.
LOA
Data Flow
Loan Agreement with recorded of all conditions of the settlement
signed by the customer.
Loan Document
Data Flow
The detail of FRA loan consists of customer information, loan
information and collateral information.
Loan Document, Payment Received
Data Flow
The detail of loan and the record of received payment from the
existing creditor.
41
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Minimum settle cost
Data Flow
The minimum price to allow customer to pay for the settled loan.
The settled price will be accepted in case it is higher than the
initial price.
Payment
Data Flow
The principal payment to pay to reduce the loan outstanding.
Proposed Price
Data Flow
The initial price that the customer is satisfied to set off with his
loan.
Receipt
Data Flow
The receipt that the cashier will issue when payment from
customer is received.
Receive Detail
Data Flow
The detail of received payment such as payment amount,
payment date used for report writing.
42
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Settlement Condition
Data Flow
The condition about due date of payment, amount payment of ·
each customer.
Settlement Detail
Data Flow
The detail of loan settlement condition comprising of settled
amount, installment, expiry date, etc.
Signing LOA
Data Flow
Loan Agreement already signed by customer.
Verified Document, Collateral
Data Flow
All accurate loan documents and collateral documents will be
kept in Data Room.
Verified Loan Detail
Data Flow
The loan detail about loan outstanding, collateral, etc used in
calculating minimum settled cost.
43
Object Name: Verified Loan Document
Object Type: Data Flow
Object Definition: All accurate documents of loan to be input in file.
Object Name: Calculate Cost
Object Type: Data Process
Object Definition: The process of computing the minimum settled cost.
Object Name: Gather Data
Object Type: Data Process
Object Definition: The process ofreceiving loan document from FRA and FCT.
Object Name: Generate Report
Object Type: Data Process
Object Definition: The process of generating report documenting in file.
Object Name: Get Loan Detail
Object Type: Data Process
Object Definition: The process of collecting all loan documents, verifying and
recording them in file.
Object Name:
Object Type:
Object Definition:
Input Detail
Data Process
The process of inputting all data related to loan in file.
44
Object Name:
Object Type:
Negotiate with customer
Data Process
Object Definition: The process of discussing with customer about the settled amount
and conditions.
Object Name: Prepare LOA
Object Type: Data Process
Object Definition: The process of preparing Loan Agreement sent to customer.
Object Name: Receive Cash
Object Type: Data Process
Object Definition: The process of receiving principal payment.
Object Name: Receive Payment
Object Type: Data Process
Object Definition: The process ofreceiving loan payment and generating report.
Object Name: Settle Loan
Object Type: Data Process
Object Definition: The process of managing loan by finding out loan cost,
discussing with customer to issue the settled loan agreement.
45
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Verify and Check Data
Data Process
The process of verifying the document that is accurate and
fulfilling.
Accusative Case File
Data Store
The file that records the Accusative Case detail.
Cash Received File
Data Store
The file that records the detail of customer payment amount and
payment date.
FRA loan Info File
Data Store
The file that records the detail of FRA loan including customer
detail, loan detail and facility detail.
Loan settlement File
Data Store
The file that records the settled condition of loan such as
settlement amount, installment period, etc.
46
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
Appraisal Department
External Entity
The depaiiment who evaluates the value of collateral by
investigating the feature of collateral.
Cashier
External Entity
The Unit whose duty is to receive customer's payment and issue
the receipt.
Customer
External Entity
The loan borrowers of the suspended finance companies.
Data Room
External Entity
The security room for collecting loan documents, loan
information and collateral documents.
FCT
External Entity
Thai finance company who was suspended in June 1997 and
August 1997
47
Object Name:
Object Type:
Object Definition:
Object Name:
Object Type:
Object Definition:
FRA
External Entity
The Financial Sector Restructuring Authority who is responsible
for suspending the finance companies.
Legal Department
External Entity
The department who is responsible for filing accusative case
which is prepared to be issued to the court.
48
\
APPENDIX D
SYSTEM STRUCTURE CHART
~
\0
Loa
n ll
icu
me&
FRA
Loa
n
Man
agem
ent
Sy
stem
~Receipt
/),
Acc
usa
tiv
e
Pay
men
t R
ecei
ved Li?
V
erif
ied
Loa
n !)
;tai
l
6 S
ettl
emen
t %
Case
Rep
ort
Con
diti
on
3 P
aym
ent () >
C
ash
Rec
eive
d
Get
Loa
n D
etai
l
Pro
cess
~ified Lo
an
D;t
ail
Pro
pose
d P
rice
Set
tle
Loa
n P
roce
ss
-Q
\:
(_R
ep
ort
Pay
men
t , v
U
S
ettl
emen
t 0
A"
Con
diti
on -Q
Rec
eive
Pay
men
t
Pro
cess
Fig
ure
D .1
. S
truc
ture
Cha
rt o
f the
FR
A L
oan
Man
agem
ent
Sys
tem
.
VI
0
Loa
n tb
cu
me&
G!t
L
oan
Det
ail
Pro
cess
Ver
ified
Loa
n %
D!ta
il
Pay
men
t Recei~
oi.
?an
lli
cum
ent
QV
erif
ied
Loa
n 6
llic
um
en
t
Gat
her
Dat
a P
roce
ss
Loa
n ll
icum
ent~
. Ver
ify
and
Che
ck
Dat
a P
roce
ss
Ver
ified
Lo
an
O A
llic
um
ent
-Q
Figu
re D
.2.
Stru
ctur
e C
hart
of t
he G
et L
oan
Det
ail
Proc
ess.
Inpu
t D
etai
l P
roce
ss
Vl
........
Ver
ified
Loa
n
Set
tle
Loa
n P
roce
ss
LC ta
il ~
App
rais
al
Value~
Min
imu
mS
ettl
en ;
:---..
Cos
t '--
'u
Set
tlem
ent
~Condition
v U
A
ccus
ativ
e
'\7
-oC
ase
~imu
m S
ettl
e C
ost
Pro
pose
d P
ric
e%
Cal
cula
te
Cos
t P
roce
ss
Settl
emen
t
Letail~
Prep
are
WA
P
roce
ss
,__
..._
__
_,_
_ _
_ ..,
OiliA
Neg
otia
te
with
cu
stom
er
proc
ess
Acc
usat
ive
Acc
usa
tiv
e() ~'
\7-o
Case
C
ase
'--'
Ll
File
A
ccus
itiv
e C
ase
Pro
cess
Figu
re D
.3.
Stru
ctur
e C
hart
of t
he S
ettle
Loa
n Pr
oces
s.
Vl
N
Set
tlem
ent
Condit~
Rec
eive
C
ash
Pro
cess
Rec
eive
P
aym
ent
Pro
cess
Rec
eive
U:tail'-...A.f~ \
._./
-;.__
57
Acc
us<W
e
UA
ccru
edP
a m
e A
ccu
siti
ven
~
'\J-
oC
ase
Rep
ort
Y
nt
Cas
e '--
"u
Gen
erat
e,
Rep
ort
, P
roce
ss
Figu
re D
.4.
Stru
ctur
e C
hart
of t
he R
ecei
ve P
aym
ent P
roce
ss.
APPENDIX E
MODULE SPECIFICATION
MODULE SPECIFICATION
Module Number: Ml
Module Name: FRA Loan Management System
Purpose/Objective: To gather the accurate FRA loan information, to negotiate settled
loan with customer and to receive customer's payment.
Input: Loan Document and Received Payment
Output: Verified Loan Detail
Invoker: M2-M4
Callee: M5-M13
Module Number: M2
Module Name: Get Loan Detail Process
Purpose/Objective: To gather and verify all accurate FRA loan information input in
file.
Input:
Output:
Invoker:
Callee:
Loan Document and Received Payment
Verified Loan Detail
M5-M7
Module Number: M3
Module Name: Settle Loan Process
Purpose/Objective: To negotiate with customer to settle the loan based on calculated
minimum settled price, to make Loan Agreement for conditions
record, and to send accusative case to the Legal Department.
53
Input:
Output:
Invoker:
Callee:
Verified Loan Detail and Proposed Price
Settlement Condition and Payment
M8-Mll
Module Number: M4
Module Name: Receive Payment Process
Purpose/Objective; To receive customer's payment, issue cash receipt and generate
report.
Input:
Output:
Invoker:
Callee:
Payment and Settlement Condition
Receipt, Cash Received Report, Accusative Case Report
M12-M13
Module Number: M5
Module Name: Gather Data Process
Purpose/Objective: To get and classify loan documents from FRA and FCT.
Input: Loan Document and Received Payment
Output: Loan Document
Invoker:
Callee:
54
Module Number: M6
Module Name: Verify and Check Data Process
Purpose/Objective: To verify and check the accuracy ofloan document from FRA ·
and FCT.
Input: Loan Document
Output: Verified Loan Document
Invoker:
Callee:
Module Number: M7
Module Name: Input Detail Process
Purpose/Objective: To record the detail of each loan in file.
Input: Verified Loan Document
Output: Verified Loan Detail
Invoker:
Callee:
Module Number: M8
Module Name: Calculate Cost Process
Purpose/Objective: To calculate minimum settled cost.
Input: Verified Loan Detail and Appraisal Value
Output: Minimum Settled Cost
Invoker:
Callee:
55
Module Number: M9
Module Name: Negotiate with Customer Process
Purpose/Objective: To negotiate with customer to settle loan and discuss in detail of
repayment condition.
Input:
Output:
Invoker:
Callee:
Minimum Settled Cost and Proposed Price
Settlement Detail and Accusative Case
Module Number: MIO
Module Name: Prepare LOA Process
Purpose/Objective: To record settled conditions in Loan Agreement and send to
customer for signing.
Input:
Output:
Invoker:
Callee:
Settlement Detail
Loan Agreement
Module Number: Ml I
Module Name: File Accusative Case Process
Purpose/Objective: To send the loan file to Legal Department in case negotiation
with customer can not be made.
Input:
Output:
Accusative Case
Accusative Case
56
Invoker:
Callee:
Module Number: M12
Module Name: Receive Cash Process
Purpose/Objective: To receive customer's payment, compare settlement condition
and issue cash receipt.
Input:
Output:
Invoker:
Callee:
Payment and Settlement Condition
Receipt
Module Number: M13
Module Name: Generate Report Process
Purpose/Objective: To generate Cash Receive Report and Accusative Case Report.
Input: Receive Detail and Accusative Case
Output: Cash Receive Report and Accusative Case Report
Invoker:
Callee:
57
APPENDIX F
PROCESS SPECIFICATION
PROCESS SPECIFICATION
Process 1.1 : Gather Data
Precondition: FRA and FCT send all loan documents.
Postcondition: All loan documents are classified in groups.
BEGIN
END
Process 1.2:
Precondition:
Postcondition:
GET loan document from FRA and FCT
GET payment received from FCT
Verify and Check Data
The loan document is sent in order to be verified.
All loan documents have been checked.
BEGIN
END
Process 1.3:
Precondition:
Postcondition:
GET loan document detail
VERIFY loan document detail
IF loan document is not completed
GET additional loan document
ELSE
OUTPUT loan information to Input Detail Process
Input Detail
The verified loan document is sent to input.
All detail of loan is recorded in file.
58
BEGIN
DO WHILE there are more Customer No. in order lists
FIND customer in FRA loan Information File
IF record cannot be found
ELSE
Customer No. =next available Customer No
ADD Customer No.
APPEND new customer record to FRA loan Information File
ADD loan information
END IF
END DO
Process 2 .1 :
Precondition:
Postcondition:
Calculate Cost
The appraisal value and loan details are injected in the process.
The minimum settled cost is computed.
BEGIN
END
GET the outstanding of each loan
GET the appraisal value of collateral
CALCULATE the percentage cost of loan outstanding
CALCULATE the minimum settled cost
RECORD the minimum settled cost
59
Process 2.2:
Precondition:
Postcondition:
Negotiate with customer
Get minimum cost and appoint a meeting date with customer.
The result of negotiation is divided into making LOA and
sending to the Legal Department.
BEGIN
END
Process 2.3:
Precondition:
Postcondition:
GET the proposed price from customer
COMP ARE the proposed price with the minimum settled cost
IF the proposed price < the minimum settled price
ELSE
DOWHILE the customer proposes the acceptable price.
GET condition of settled loan
Prepare LOA
The settlement condition is sent to the process.
The loan agreement is generated.
BEGIN
END
Process 2.4:
Precondition:
Postcondition:
GET settlement detail
GENERA TE Loan agreement
File Accusative Case
The loan that the customer refuses to pay is sent to the process.
The accusative case was recorded.
60
BEGIN
END
Process 3 .1 :
Precondition:
Postcondition:
GET detail of accusative case
RECORD the accusative case
Receive Payment
Customer pays the installment.
The cash receipt is generated.
BEGIN
END
Process 3.2
Precondition:
Postcondition:
BEGIN
GET settlement detail
RECEIVE payment
VERIFY payment with settlement detail
IF payment =F- due payment
ELSE
COMPUTE the remaining payment
RECORD the remaining payment
RECORD cash received information
GENERA TE cash receipt
Generate Report
The accusative case and cash received information is required.
The accusative case and received information is updated.
61
END
GET accusative case
GET cash received information
GENERA TE accusative case report
GENERA TE cash received report
62
APPENDIX G
PROPOSED SCREEN DISPLAYS
0\
w
FR
A L
OA
N M
AN
AG
EM
EN
T S
YS
TE
M
Fig
ure
G. l
. F
RA
Loa
n M
anag
emen
t S
yste
m S
cree
n.
0\ ~
Cu
sto
me
r N
o:
Cu
sto
rne
r N
arn
e:
Cu
sto
me
r A
dd
ress:
Te
lep
ho
ne
No
:
Fa
csim
ile
No
:
Co
nta
ct
Na
me
:
Cu
sto
mer D
eta
il
[r()(
)()
.... .J
l~l[)i
.rl.=
C::()..f
'lS_tr':
J,C~~':r
:' ~()~
~!:'l'
J:i!l:
i.!t=.
<:i __
____
__ ..
..........
.! 8
8 M
oo
9 B
an
gka
n R
oa
d,
Klo
ng
5,
Klo
ng
Lu
an
g,
Ph
atu
mta
ne
e
1:39.:
3~8~?~L-...
. :=:=J
l?9
.:3-§
???_
l~h':J
l'l~ .. ~.
ri.'1 ..
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ure
G.2
. C
usto
mer
Det
ail
Scre
en.
~1 ;'Nigi
!)'.M~
BGf I
O'\
Vl
t ···-
··-····-
-¥~~!I!_
!~_I!!_f
~.!:!!!~
!!~_!!_·
·····-··
········
· _
Cu
sto
me
r N
am
e
l~lpine
Con
stru
ctio
n C
om
pan
y L
imite
d
Fa
cilit
y T
yp
e
I Fram
e1
---;;-::in
g C
apit
al
f.2l
Ter
m L
oan
I
Exis
tin
g C
red
ito
r
Ou
tsta
nd
ing
Lo
an
Ap
pro
va
l D
ate
Co
lla
tera
l
Fin
ance
& S
ecu
riti
es P
ie.
[4<~?<~f
__ ]
Lin
e E
xp
iry D
ate
I~
<~?<
??
r-·· Fr
ame2
------
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D
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an
f.2l
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urit
y ---
·--1
Fig
ure
G.3
. F
acil
ity
Info
rmat
ion
Scr
een.
".::.<
h511
<X
1 .I
0\
0\
L ___
_ ---
Co
lla
tera
l D
eta
il
Cu
sto
me
r N
o
---·----------
;
110
02
I
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--~~
~---
·~--
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----
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Cu
sto
me
r N
am
e
l~~r~
\/,/i~:~
r ~ ~~
=P:~~
~i=it:
~
Fig
ure
G.4
. C
olla
tera
l an
d C
ondi
tion
Scr
een.
0\
-...J
L ....... .
FC
T IN
FO
RM
AT
ION
FC
T C
od
e:
[t=t-:1
1.c:
.. I F
CT
Na
me
: lf:
!'.1~~
£inai:
i_c:e_
and_?
<;>s:u
ritie~
.f'~:-
·---·-
--·-··
----··
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FC
T A
dd
ress:
20
9 C
MIC
To
wer
A,
Su
kh
um
vit
21,
Klo
ngto
ey
Co
nta
ct
No
: (??~
.~-~~:.~
.·--····
········
··-··-··
········
-······
Co
nta
ct
Na
me
: l!S
'::>'::'r
i??.'!'C
:'::><>
i .
.. J
Fig
ure
G.5
. F
CT
Det
ail
Scre
en.
I
0\
00
L .....
Min
imu
m S
ett
led
Co
st
Cu
sto
me
r N
o
[[qqq
.....
..........
.. :J
C
usto
me
r N
am
e
b1pi
11E!
C::o1
1~trl:
'c;ti(
)t1 C
::()rl
l!Jat'
l? l,jr
l)it.E
!cl
Cu
sto
me
r O
uts
tan
din
g
I$ 3
,46
0.0
00
. 00
···
--···-
······
·--···
··-.-·
···-··
······
·····-
·-··-·
·-····
% o
f L
oa
n O
uts
tan
din
g
!~?~
l .J
Min
imu
m S
ett
led
Co
st
=
(~.1_:
'.:l~~
:???:?
_?_ _
__
I
Figu
re G
.6.
Min
imum
Set
tled
Cos
t Sc
reen
.
0\
\0
L
Neg
oti
ati
on
Reco
rd
···
······
······
·----·
······
·····
......
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•.....
.. ., . .
, .....
......
......
......
.. .
I j
Cu
sto
me
r N
o:
[199
9
Cu
sto
me
r ~~ame
(_t,
l~in
e C
on
str
ucti
on
Co'
l)~a
ny L
imit
ed
;,;;'"
'' X&f
t~J1 !D
ate
· 1
2/2
/99
I Cu
sto
me
r re
fuse
s t
o h
ave
a m
ee
tin
g
--·-
---·
-···
·---
+--
----
----
·-··
····
--··
·-··
----
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----
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----
-·
12
/13
/99
I C
ust
om
er
did
n't
co
me
at
ap
po
inte
d d
ate
otlh
erw
1se
we
will
se
nd
Figu
re G
.7.
Neg
otia
tion
Rec
ord
Scre
en.
-..l
0
L .... ~~?
!! Ag!
:~~~
~!!!
!?~
!?!!
....
Cu
sto
me
r N
o:
1100
1 I
Cu
sto
me
r N
am
e
l~~~
~~=~
~i~~
::~t
~
LO
A N
o:
l!?.()
()1
... _
__
J
LO
A D
ate
: (1/~?(()() __
_
Figu
re G
.8.
Loa
n A
gree
men
t Det
ail
Scre
en.
I S
ET
TL
EM
EN
T D
ET
AIL
I
mm
m
m
mm
Cu
sto
me
r N
am
e
!Alp
ine
Con
stru
ctio
n C
omp.
;,;.
;; LilTlit~
I ··
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w%
fW1G
w%
LO
A N
o:
1r~qg
1 ____
__ =•
•-~=--
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Nm
td
Se
ttle
me
nt A
mo
un
t:
l~~~:?oo:°.??!:~--~:=J
1111
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itia
l P
aym
en
t:
l~~90,ririO.OO~
Insta
llm
en
t:
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o_o_~°
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______
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eri
od
: I?
J
Insta
llm
en
t cr
ite
ria
: [m
onth
ly
J In
tere
st
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te:
I°. m
rn
rn
J
-....}
.....
. E
xpir
y D
ate
: l§(
:3q(
qq_
___
J
·-
Figu
re G
.9.
Set
tlem
ent D
etai
l Sc
reen
.
-.)
N
AC
CU
SA
TIV
E C
AS
E
Cu
sto
me
r N
o:
1100
3
Cu
sto
me
r N
am
e.
!Dir
ek S
ripi
pat
Da
te o
f re
gis
ter:
f 11
41
25
43
Fig
ure
G.1
0.
Acc
usat
ive
Cas
e Sc
reen
.
-...:}
w
L C
ash
Receiv
ed
In
form
ati
on
Cu
sto
me
r N
o
(1001
L ____
___ ·=
. .. J
Cu
sto
me
r N
am
e
j~~~
s~z~
~if:
:~::
:t~m
mm
_ j
Fig
ure
G.1
1.
Cas
h R
ecei
ve I
nfor
mat
ion
Scre
en.
"~I 1
5119
<:
I ·'
-.J
..i;:,..
FR
A L
oan
In
form
ati
on
Rep
ort
Cu
sto
mer
Info
rmati
on
Rep
ort
S
ett
lem
en
t D
eta
il R
ep
ort
Lo
an
Deta
il R
ep
ort
A
ccu
sati
ve C
ase R
ep
ort
Co
llate
ral R
ep
ort
F
RA
Su
mm
ary
Rep
ort
Neg
oti
ati
on
Reco
rd R
ep
ort
C
ash
Receiv
ed
Rep
ort
Lo
an
Ag
reem
en
t R
ep
ort
F
CT
Deta
il R
ep
ort
Figu
re G
.12.
F
RA
Loa
n In
form
atio
n R
epor
t Sc
reen
.
APPENDIX H
PROPOSED REPORT FORMATS
Cus
tom
er I
nfor
mat
ion
Rep
ort
Cus
.No.
Cu
sto
mer
Nam
e C
ust
om
er A
ddre
ss
Tel
epho
neN
o.
Fac
sim
ileN
o. C
on
tact
Nam
e
1000
A
lpin
e C
onst
ruct
ion
Com
pany
Lim
ited
88
Moo
9 B
angk
an R
oad,
Klo
ng 5
, K
long
Lua
ng,
393-
8572
39
3-85
77
Khu
n S
arin
P
hatu
mta
nee
1001
B
an S
uzuk
i C
o.,L
td
371
Sam
chai
Roa
d, H
adya
i, S
ongk
la
038-
2555
41
038-
2555
44
Khu
n S
akol
1002
B
ara
Win
sor
& C
ompa
ny L
imit
ed
968
Ram
a4,
Sil
om,
Ban
grak
, B
angk
ok
6336
425
6336
400
Khu
n V
assa
na
1003
D
irek
Sri
pipa
t 45
Suk
hum
vit 3
3, K
long
ton,
Ban
gkok
61
9555
3 21
0008
8 K
hun
Dir
ek
1004
E
xper
ty H
oldi
ng C
ompa
ny L
imit
ed
81/2
5 M
oo 4
, R
am-i
ndra
21,
Anu
sava
ri,
5890
023
5860
000
Khu
n P
anu
-.....
) I
Ban
gkae
n,B
angk
ok
VI
1005
S
ithi
larp
Sap
asak
om
118/
22 R
ama6
, S
amse
n na
i, P
haya
thai
, Ban
gkok
24
4698
5 24
4699
9 K
hun
Nit
imar
t
1006
T
hai
Lil
y T
extl
ie C
ompa
ny L
imit
ed
125/
4 T
avee
vora
yad,
Yuk
o! R
oad,
Ban
gkok
95
2521
2 95
2520
0 K
hun
Pin
1007
T
he U
nite
d In
dem
nity
Com
pany
Lim
ited
10
0/55
Flo
or2
7, S
atho
mna
kom
tow
er, N
orth
63
1252
5 63
1000
K
hun
Tha
na
Sat
hom
, Ban
gkok
1008
V
itoo
n W
ongs
akul
5/
14 T
apra
, B
an p
ong,
Rad
buri
02
5-36
5235
02
-365
000
khun
Vit
oon
Fig
ure
H. l
. C
usto
mer
Info
rmat
ion
Rep
ort.
Loa
n D
etai
l Rep
ort
Cus
.No.
C
ust
om
er N
ame.
F
acil
ity
Tm
e
FC
T C
ode
Cre
dit
lin
e li
mit
O
uts
tan
din
g l
oan
1000
A
lpin
e C
onst
ruct
ion
Com
pany
Lim
ited
L
oan
EK
P
135,
000,
000.
00
133,
460,
000.
00
1001
B
an S
uzuk
i C
o.,L
td
Loa
n PF
S 13
30,0
00,0
00.0
0 30
,000
,000
.00
1002
B
ara
Win
sor
& C
ompa
ny L
imit
ed
Wor
king
Cap
ital
IT
F
1350
,000
,000
.00
50,0
00,0
00.0
0 10
03
Dir
ek S
ripi
pat
Loa
n T
MF
13
20,0
00,0
00.0
0 20
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.00
1004
E
xper
ty H
oldi
ng C
ompa
ny L
imit
ed
Loa
n PF
S 13
35,0
00,0
00.0
0 32
,000
,000
.00
1004
E
xper
ty H
oldi
ng C
ompa
ny L
imit
ed
Wor
king
Cap
ital
PF
S 13
15,0
00,0
00.0
0 15
,000
,000
.00
1005
S
ithi
larp
Sap
asak
om
Loa
n S
CF
13
12,0
00,0
00.0
0 13
8,00
0,00
0.00
10
06
Tha
i L
ily
Tex
tlie
Com
pany
Lim
ited
W
orki
ng C
apit
al
FIN
I 13
I 0,0
00,0
00.0
0 10
,000
,000
.00
1007
T
he U
nite
d In
dem
nity
Com
pany
Lim
ited
W
orki
ng C
apit
al
SIT
CA
13
10,0
00,0
00.0
0 I 0
,000
,000
.00
1008
V
itoo
n W
ongs
akul
L
oan
CM
IC
1358
,950
,000
.00
58,9
50,0
00.0
0 10
09
Cha
rem
kit E
nter
pris
e C
o.,L
td
Wor
king
Cap
ital
E
KP
13
50,0
00,0
00.0
0 50
,000
,000
.00
1010
E
kara
t E
ngin
eeri
ng P
ubli
c C
ompa
ny L
imit
ed
Loa
n U
F
1320
,000
,000
.00
20,0
00,0
00.0
0 -.
..)
I 10
11
Lop
buri
Ind
ustr
ial
Com
pany
Lim
ited
L
oan
SIT
CA
13
180,
000,
000.
00
80,0
00,0
00.0
0 0
\ 10
12
Pap
haw
arin
Rea
lty
Com
pany
Lim
ited
L
oan
CT
13
30,0
00,0
00.0
0 29
, 700
,000
.00
1013
P
rann
ok P
awn
Sho
p L
imit
ed P
artn
ersh
ip
Wor
king
Cap
ital
S
CF
13
5,00
0,00
0.00
13
5,00
0,00
0.00
10
14
Sia
m L
and
S.S.
P. G
roup
Com
pany
Lim
ited
L
oan
CM
IC
1330
,000
,000
.00
30,0
00,0
00.0
0 10
14
Sia
m L
and
S.S.
P. G
roup
Com
pany
Lim
ited
W
orki
ng C
apit
al
CM
IC
1320
,000
,000
.00
20,0
00,0
00.0
0 10
15
Roc
kwor
th P
ubli
c C
o.,L
td.
Loa
n C
T
1320
,000
,000
.00
20,0
00,0
00.0
0 G
ran
d T
otal
: 60
0,95
0,00
0.00
IJ
592,
110
,000
.00
Figu
re H
.2.
FRA
Loa
n D
etai
l Rep
ort.
Col
late
ral R
epor
t 2
ust
om
er N
o. C
ust
om
er N
ame
Col
l.N
o.
Dcs
cri(
!tio
n A
i:m
rais
al V
alue
1000
A
lpin
e C
onst
ruct
ion
Com
pany
Lim
ited
30
1 G
uara
ntor
K.
Vac
ha P
okae
w
J3.0
0
1002
B
ara
Win
sor
& C
ompa
ny L
imit
ed
303
Mor
tgag
e L
and
TD
# 19
16 a
t B
angb
uato
ng,
Non
tabu
ri
J369
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,000
.00
1004
E
xper
ty H
oldi
ng C
ompa
ny L
imit
ed
302
Gua
rant
or K
. P
icha
i C
hunc
hira
J3
.00
1004
E
xper
ty H
oldi
ng C
ompa
ny L
imit
ed
304
Gua
mat
or K
. R
ewat
Jin
da
J3.0
0 10
04
Exp
erty
Hol
ding
Com
pany
Lim
ited
30
5 M
ortg
age
Lan
d T
D#5
752
Ban
gkae
w,
Ban
gkok
13
32,5
00,0
00.0
0 (J
"J
1006
T
hai
Lil
y T
extl
ie C
ompa
ny L
imit
ed
306
Gua
rant
or T
hai V
iwat
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sing
Lim
ited
J3
.00
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I
-.....}
1007
T
he U
nite
d In
dem
nity
Com
pany
Lim
ited
30
7 G
uara
ntor
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Sut
in T
avee
sak
13.0
0
1008
V
itoo
n W
ongs
akul
30
8 P
ledg
e B
AN
PU
sha
re (
300
,000
Un
its)
J3
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lOll
L
opbu
ri I
ndus
tria
l C
ompa
ny L
imit
ed
309
Gua
rant
or N
iran
Int
erna
tion
al H
oldi
ng
J3.0
0
lOll
L
opbu
ri I
ndus
tria
l C
ompa
ny L
imit
ed
310
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tgag
e L
and
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itle
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Nik
om S
rant
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00
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1 L
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ri I
ndus
tria
l C
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imit
ed
311
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rant
or K
. S
iri
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dipo
m
J3.0
0
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re H
.3.
Col
late
ral
Rep
ort.
-...}
0
0
Cus
tom
er N
o
1000
1000
1000
1001
1002
1002
1003
Neg
otia
tion
Rec
ord
Rep
ort
Cus
tom
er N
ame
Dat
e D
escr
ipti
on
Alp
ine
Con
stru
ctio
n C
ompa
ny L
imit
ed
2112
199
Cus
tom
er r
efus
es to
hav
e a
mee
ting
Alp
ine
Con
stru
ctio
n C
ompa
ny L
imit
ed
13/1
2/99
C
usto
mer
did
n't
com
e at
app
oint
ed d
ate
Alp
ine
Con
stru
ctio
n C
ompa
ny L
imit
ed
2211
2199
In
form
cus
tom
er to
con
tact
us
wit
hin
1 w
eek,
oth
erw
ise
we
will
se
nd f
ile t
o th
e le
gal
depa
rtm
ent
Ban
Suz
uki
Co.
,Ltd
20
1121
99
Cus
tom
er a
ppro
ved
all
deta
il in
our
pro
posa
l
Bar
a W
inso
r &
Com
pany
Lim
ited
3/
11/9
9 C
usto
mer
req
uest
s to
set
off
at 2
5 M
M B
aht
Bar
a W
inso
r &
Com
pany
Lim
ited
10
/11/
99
Cus
tom
er a
ccep
ts a
t 30
MM
Bah
t set
tlem
ent
Dir
ek S
ripi
pat
2112
199
Issu
e pr
opos
al to
cus
tom
er
Figu
re H
.4.
Neg
otia
tion
Rec
ord
Rep
ort.
-....:i
\0
Cu
sto
mer
No.
1001
1002
1007
1008
1010
1012
Loa
n A
gree
men
t Rep
ort
Cu
sto
mer
Nam
e
Ban
Suz
uki
Co.
,Ltd
Bar
a W
inso
r &
Com
pany
Lim
ited
The
Uni
ted
Inde
mni
ty C
ompa
ny L
imit
ed
Vit
oon
Won
gsak
ul
Eka
rat E
ngin
eeri
ng P
ubli
c C
ompa
ny L
imit
ed
Pap
haw
arin
Rea
lty
Com
pany
Lim
ited
Figu
re H
.5.
Loa
n A
gree
men
t Rep
ort.
LO
A N
o.
LO
A D
ate
1500
1 15
/1/0
0
1500
2 11
/11/
99
1500
7 61
1100
1500
8 14
/2/0
0
1501
0 26
/1/0
0
1501
2 30
/11/
99
00
0
Cu
sto
mer
Nam
e
Alp
ine
Con
stru
ctio
n C
ompa
ny L
imit
ed
Ban
Suz
uki
Co.
,Ltd
Eka
rat
Eng
inee
ring
Pub
lic
Com
pany
Lim
ited
Pap
haw
arin
Rea
lty
Th
e U
nite
d In
dem
nity
Com
pany
Lim
ited
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oon
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gsak
ul
Sett
lem
ent
Det
ail R
epor
t
Set
tlem
ent
Am
ou
nt
Init
ial
Pay
men
t In
stal
lmen
t
13 I 5
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I 0,0
00,0
00.0
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I ,00
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1335
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00
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00
138,
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000.
00
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4,00
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13 I 8
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00
135,
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00
135,
000,
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00
132,
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00
1350
0,00
0.00
1335
,000
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135,
000,
000.
00
15,0
00,0
00.0
0
Figu
re H
.6.
Settl
emen
t Det
ail R
epor
t.
Per
iod
ln
stal
lem
ent
crit
eria
5 m
onth
ly
7 m
on
thly
2 se
mi-
annu
ally
2 an
nual
ly
6 m
onth
ly
2 an
nual
ly
00
.....
...
Cus
tom
er N
o.
1015
1003
1000
Acc
usa
tive
Cas
e R
epor
t
Cus
tom
er N
ame
Cus
tom
er A
ddre
ss
Dat
e o
f re
gist
er
Roc
kwor
th P
ubli
c C
o.,L
td.
294-
300
Aso
ke-D
inda
eng,
Hua
ykw
ang
17/1
/00
Dir
ek S
ripi
pat
45 S
ukhu
mvi
t 33,
Klo
ngto
n, B
angk
ok
114/
00
Alp
ine
Con
stru
ctio
n C
ompa
ny L
imit
ed
88 M
oo 9
Ban
gkan
Roa
d, K
long
5,
Klo
ng L
uang
, P
hatu
mta
nee
29/1
2/99
Figu
re H
.7.
Acc
usat
ive
Cas
e R
epor
t.
FR
A S
umm
ary
Rep
ort
Cu
sto
mer
No.
C
ust
om
er N
ame
FC
T C
od
e O
uts
tan
din
g l
oan
Set
tlem
ent
Am
ou
nt
1000
A
lpin
e C
onst
ruct
ion
Com
pany
Lim
ited
E
KP
B
3,46
0,00
0.00
10
01
Ban
Suz
uki C
o.,L
td
PF
S
B30
,000
,000
.00
13 l 5
,000
,000
.00
1002
B
ara
Win
sor
& C
ompa
ny L
imit
ed
ITF
B
50,0
00,0
00.0
0 B
35,0
00,0
00.0
0 10
03
Dir
ek S
ripi
pat
TM
F
820,
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000.
00
1004
E
xper
ty H
oldi
ng C
ompa
ny L
imit
ed
PF
S
832,
000,
000.
00
1004
E
xper
ty H
oldi
ng C
ompa
ny L
imit
ed
PF
S
B 15
,000
,000
.00
1005
S
ithi
larp
Sap
asak
om
SC
F
88,0
00,0
00.0
0 10
06
Tha
i L
ily
Tex
tlie
Com
pany
Lim
ited
F
INI
1310
,000
,000
.00
1007
T
he U
nite
d In
dem
nity
Com
pany
Lim
ited
S
ITC
A
8 l 0
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,000
.00
85,0
00,0
00.0
0 10
08
Vit
oon
Won
gsak
ul
CM
IC
1358
,950
,000
.00
835,
000,
000.
00
1009
C
hare
mki
t Ent
erpr
ise
Co.
,Ltd
E
KP
B
50,0
00,0
00.0
0 10
10
Eka
rat
Eng
inee
ring
Pub
lic
Com
pany
Lim
ited
U
F
B20
,000
,000
.00
B8,
000,
000.
00
1011
L
opbu
ri I
ndus
tria
l C
ompa
ny L
imit
ed
SIT
CA
B
180
,000
,000
.00
00
I
1012
P
apha
war
in R
ealt
y C
ompa
ny L
imit
ed
CT
82
9, 7
00,0
00.0
0 B
18,0
00,0
00.0
0 N
1013
P
rann
ok P
awn
Sho
p L
imit
ed P
artn
ersh
ip
SC
F
85,0
00,0
00.0
0 10
14
Sia
m L
and
S.S
.P. G
roup
Com
pany
Lim
ited
C
MIC
B
30,0
00,0
00.0
0 10
14
Sia
m L
and
S.S
.P.
Gro
up C
ompa
ny L
imit
ed
CM
IC
B20
,000
,000
.00
1015
R
ockw
orth
Pub
lic
Co.
,Ltd
. C
T
820,
000,
000.
00
Gra
nd
Tot
al:
6592
,110
,000
.00
n 116
,000
,000
.00
Figu
re H
.8.
FRA
Sum
mar
y R
epor
t.
00
\.
;..)
Cu
sto
mer
No.
1001
1001
1002
1002
1002
1007
1007
1012
Cas
h R
ecei
ved
Rep
ort
Cu
sto
mer
Nam
e R
ecei
pt N
o.
Ban
Suz
uki
Co.
,Ltd
L
0000
23
Ban
Suz
uki
Co.
,Ltd
L
0000
62
Bar
a W
inso
r &
Com
pany
Lim
ited
L
9900
67
Bar
a W
inso
r &
Com
pany
Lim
ited
L
0000
18
Bar
a W
inso
r &
Com
pany
Lim
ited
L
0000
58
The
Uni
ted
Inde
mni
ty C
ompa
ny L
imit
ed
L00
0009
The
Uni
ted
Inde
mni
ty C
ompa
ny L
imit
ed
L00
0037
Pap
haw
arin
Rea
lty
Com
pany
Lim
ited
L
9900
56
Figu
re H
.9.
Cas
h R
ecei
ved
Rep
ort.
Pay
men
t D
ate
Am
ou
nt
Rec
eive
d
16/1
/00
1310
,000
,000
.00
15/2
/00
131,
000,
000.
00
1311
,000
,000
.00
12/1
2/99
13
5,00
0,00
0.00
10/1
/00
135,
000,
000.
00
11/2
/00
135,
000,
000.
00
1315
,000
,000
.00
711/
00
132,
000,
000.
00
7/2/
00
1350
0,00
0.00
132,
500,
000.
00
30/1
1/99
13
8,00
0,00
0.00
138,
000,
000.
00
n3o,5
lm,om
um
00
.+>
.
FC
T C
ode
CT
CM
IC
EK
P
FIN
I
ITF
PFS
SC
F
SIT
CA
FCT
Det
ail R
epor
t
FC
T N
ame
FC
T A
ddre
ss
Cat
hay
Tru
st C
o.,L
td
I 016
Cat
hay
Tru
st T
ower
, R
ama
4, S
ilom
, Ban
grak
CM
IC F
inan
ce a
nd S
ecur
itie
s Pi
e.
209
CM
IC T
ower
A,
Suk
hum
vit 2
1, K
long
toey
Ekk
apat
Fin
ance
& S
ecur
itie
s Pi
e.
29 V
anis
a B
uild
ing,
Chi
dlom
, P
hatu
mw
an
Fin
ance
One
Pie
. l l
9 E
k S
atho
m T
ower
, S
outh
Sat
hom
' IT
F F
inan
ce a
nd S
ecur
itie
s Pi
e.
l 89/
47-8
A
pich
art T
ower
, B
angk
okno
i
Poo
npip
at F
inan
ce &
Sec
urit
ies
Pie.
30
/46-
49 S
atho
m T
anee
Tow
er ,
Sat
hom
Roa
d
SC
F F
inan
ce a
nd S
ecur
itie
s P
ie.
719
Man
kong
Bui
ldin
g, B
udta
ttho
ng R
oad,
Pat
hum
wan
SIT
CA
Inv
estm
ent &
Sec
urit
ies
Pie
. 17
69 N
ew-P
etch
abur
i, H
uay
Kw
ang
Figu
re H
.10.
FC
T D
etai
l Rep
ort.
Co
nta
ct N
o.
Co
nta
ct N
ame
2330
421
Khu
n S
urat
2599
000-
3 K
hun
Som
chai
6540
345
Khu
n S
omw
ang
2856
464
Khu
n V
ilas
inee
8834
023
Khu
n S
uda
2675
422
Khu
n M
alli
ka
2167
941
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n V
ichi
t
6528
000
Khu
n B
enja
mas
BIBLIOGRAPHY
1. Kendall, Kenneth E. and Julie E. Kendall. Systems Analysis and Design, 2nd
Edition. USA: Prentice Hall Inc., 1992.
2. Pressman, Roger S. Software Engineering A Practitioner's Approach, 4th Edition. Singapore: McGraw-Hill Companies, Inc., 1997.
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