ANALISA DAN PERANCANGAN SISTEM INFORMASI AKUNTANSI SIMPAN PINJAMPADA KOPERASI SIMPAN PINJAM DHANAMAS
SKRIPSI
Oleh William 1100004170
PROGRAM GANDA SISTEM INFORMASI DAN AKUNTANSI UNIVERSITAS BINA NUSANTARA JAKARTA 2012
i
ANALISA DAN PERANCANGAN SISTEM INFORMASI AKUNTANSI SIMPAN PINJAM PADA KOPERASI SIMPAN PINJAM DHANAMAS
SKRIPSI diajukan sebagai salah satu syarat untuk gelar kesarjanaan pada Program Ganda Jenjang Pendidikan Strata 1
Oleh William 1100004170
PROGRAM GANDA SISTEM INFORMASI DAN AKUNTANSI UNIVERSITAS BINA NUSANTARA JAKARTA 2012
ii
ANALISA DAN PERANCANGAN SISTEM INFORMASI AKUNTANSI SIMPAN PINJAM PADA KOPERASI SIMPAN PINJAM DHANAMAS
SKRIPSI
Oleh
William 1100004170 disetujui oleh Pembimbing
Henkie Ongowarsito, S.Kom,MT. D1207
I Gusti Made Karmawan, S.Kom.,MM D1647
PROGRAM GANDA SISTEM INFORMASI DAN AKUNTANSI UNIVERSITAS BINA NUSANTARA JAKARTA 2012
iii
Halaman Pemberian Hak Cipta Non Eksklusif dari Mahasiswa ke Universitas BinaNusantara
PERNYATAAN Dengan ini saya, Nama : NIM : Judul skripsi :
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William 1100004170 ANALISA DAN PERANCANGAN SISTEM INFORMASI AKUNTANSI SIMPAN PINJAM PADA KOPERASI SIMPAN PINJAM DHANAMAS
kepada
Universitas
Bina
Nusantara
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non-eksklusif
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menyimpan,memperbanyak, dan menyebarluaskan skripsi karya saya, secara keseluruhan atau hanyasebagian atau hanya ringkasannya saja, dalam bentuk format tercetak dan atauelektronik.
Menyatakan bahwa saya, akan mempertahankan hak exclusive saya, untukmenggunakan seluruh atau sebagian isi skripsi saya, guna pengembangan karya di masadepan, misalnya bentuk artikel, buku, perangkat lunak, ataupun sistem informasi.
Jakarta, 12 maret 2012
William
iv
KATA PENGANTAR Segala puji dan syukur penulis panjatkan kepada Tuhan Yang Maha Esa atasberkat dan karunia-Nya sehingga penulis dapat menyelesaikan skripsi yang berjudul”Analisa dan Perancangan Sistem Informasi Akuntansi Simpan Pinjam pada KoperasiSimpan Pinjam Dhanamas” ini tepat pada waktunya. Skripsi ini disusun penulis sebagai salah satu syarat untuk gelar kesarjanaan padaProgram Studi Ganda, Jurusan Sistem Informasi dan Akuntansi, Jenjang PendidikanStrata 1 pada BINUS University, Jakarta. Penyusunan skripsi ini dapat berjalan dengan baik dan lancar bukan tanpabantuan dan dukungan dari banyak pihak. Untuk itu, dalam kesempatan ini penulis inginmenyampaikan ungkapan terima kasih yang terdalam dan setulus-tulusnya kepada: 1. Bapak Prof. Dr. Ir. Harjanto Prabowo, MM., selaku Rektor BINUS University,yang telah memberikan kesempatan penulis untuk menuntut ilmu danmenyelesaikan studi Strata 1 di BINUS University. 2. Bapak Dr. Engkos Achmad Kuncoro, SE., MM., selaku Dekan FakultasEkonomi dan Komunikasi di BINUS University. 3. Bapak Gatot Soepriyanto, SE., Ak., M.Buss (Acc), selaku Ketua Jurusan Akuntansi BINUS University. 4. Bapak Arta Moro Soendjaja, SE., Ak., M.Buss (Acc), selaku Head of Information Systems and AccountingBINUS University. 5. Bapak Johan, S.Kom, MM., selaku Head of school Information System dan Head of Information System Department BINUSUniversity. 6. Bapak I Gusti Made Karmawan, S.Kom, MM., selaku dosen pembimbing yang telah memberikanbanyak masukan dan saran-saran yang berguna dalam penyusunan skripsi ini.Penulis sangat berterima kasih atas perhatian, kesediaan, kesabaran, motivasi danwaktu yang diberikan selama proses penyusunan skripsi ini. 7. Bapak Henkie Ongowarsito,S.Kom,MT., selaku dosen pembimbing yang telahmemberikan banyak masukan dan saran-saran yang berguna dalam penyusunanskripsi ini. Penulis sangat berterima kasih atas perhatian, kesediaan, kesabaran,motivasi dan waktu yang diberikan selama proses penyusunan skripsi ini. 8. Bapak I Gusti Made Karmawan, S.Kom, MM., selaku Pemilik dari Koperasi Simpan Pinjam Dhanamas sertastaff lainnya yang telah membantu dalam memberikan vi
pengarahan, penjelasan,dan informasi-informasi yang diperlukan dalam penyusunan skripsi ini. 9. Seluruh dosen di BINUS University yang telah mendidik dengan sepenuh hatisehingga penulis dapat menyelesaikan studi program Strata 1 di BINUSUniversity. 10. Sahabat-sahabat terbaik yang telah membantu dan meluangkan waktu untukmemberikan dukungan, saran dan kritik, serta semangat; Meiga dan Meyanne. Akhir kata, penulis berharap agar skripsi ini dapat bermanfaat bagi para pembacadan pihak-pihak yang membutuhkan.
Jakarta, 25 Januari 2012 Penulis
William 1100004170
vii
DAFTAR ISI Halaman Halaman Judul Luar ..................................................................................................... i Halaman Judul Dalam .................................................................................................. ii Halaman Persetujuan ................................................................................................... iii Halam Pemberian Hak cipta Non Eksklusif ................................................................ iv Abstrak ........................................................................................................................ v Kata Pengantar ............................................................................................................. vi Daftar Isi ...................................................................................................................... viii Daftar Tabel ................................................................................................................. xv Daftar Gambar ............................................................................................................. xvi BAB 1PENDAHULUAN 1.1Latar Belakang ........................................................................................................ 1.2 Ruang Lingkup....................................................................................................... 1.3Tujuan dan Manfaat ................................................................................................ 1.3.1 Tujuan ........................................................................................................ 1.3.2 Manfaat ...................................................................................................... 1.4 Metodologi ............................................................................................................ 1.4.1 Metode Analisis ......................................................................................... 1.4.2 Metode Perancangan ................................................................................. 1.5Sistematika Penulisan ............................................................................................
1 4 4 4 5 6 6 7 7
BAB 2 LANDASAN TEORI 2.1 Pengertian Sistem Informasi .................................................................................. 2.2 Sistem Akuntansi ................................................................................................... 2.3 Sistem Informasi Akuntansi .................................................................................. 2.3.1 Pengertian Sistem Informasi Akuntansi ....................................................... 2.3.2Tujuan dan Kegunaan Sistem Informasi Akuntansi ........................................ 2.3.3Komponen - Komponen Sistem Informasi Akuntansi ................................... 2.4Siklus Transaksi Pada Sistem Informasi Akuntansi .............................................. 2.5Metode perhitungan bunga simpanan dan penetapan angsuran pinjaman .............. 2.5.1Metode perhitungan bunga simpanan.............................................................. 2.5.2 Metode perhitungan angsuranPinjaman ......................................................... 2.6 SAK ETAP (Standar Akuntansi Keuangan Entitas Tanpa Akuntabilitas Publik) . 2.6.1 Pengertian SAK ETAP ................................................................................... 2.6.2 Karakteristik SAK ETAP ..............................................................................
9 10 10 10 10 12 12 14 14 17 18 18 18
viii
2.7 Sistem Pengendalian Internal ................................................................................. 2.7.1 Pengertian Sistem Pengendalian Internal ....................................................... 2.7.2 Tujuan Pengendalian Internal ......................................................................... 2.7.4 Komponen Pengendalian Internal .................................................................. 2.8 Pajak Penghasilan (PPh) ........................................................................................ 2.9 Konsep Analisis, Perancangan dan Desain Berorientasi Objek ............................
19 19 19 20 22 25
2.9.1 Pengertian Object Oriented Analysis and Design ..........................................
25
2.9.2 Pengertian Object ...........................................................................................
26
2.9.3Pengertian System Definition...........................................................................
27
2.9.4 Pengertian Rich Picture ..................................................................................
27
2.9.5 Pengertian The Factor Criterion ....................................................................
27
2.9.6 Pengertian Problem Domain Analysis............................................................
28
2.9.7 Pengertian Classes ..........................................................................................
29
2.9.8 Pengertian Structure .......................................................................................
30
2.9.9 Pengertian Behavior .......................................................................................
33
2.9.9.1 Event Trace .............................................................................................
33
2.9.9.2 Behavioral Pattern .................................................................................
33
2.9.9.3 Explore Pattern.......................................................................................
34
2.9.10Application Domain Analysis ........................................................................
35
2.9.11 Usage ............................................................................................................
35
2.9.12 Function........................................................................................................
36
2.9.13 Interfaces ......................................................................................................
38
2.9.14 Sequence .......................................................................................................
39
2.9.15 Architectural Design ....................................................................................
41
2.9.16 Criteria .........................................................................................................
42
2.9.17 Component Criteria......................................................................................
44
2.9.18 Process Architecture ....................................................................................
46
2.9.19 Component Design .......................................................................................
49
2.9.20 Model Component ........................................................................................
49
2.9.21 Function Component ....................................................................................
50
2.9.22 Connecting Component ................................................................................
51
ix
BAB 3ANALISIS SISTEM BERJALAN 3.1 Gambaran umum ............................................................................................ 3.1.1 Sejarah Singkat Koperasi DHANAMAS ..............................................
52 52
3.1.2 Produk Koperasi....................................................................................
53
3.1.3 Visi dan Misi Koperasi DHANAMAS .................................................
54
3.1.4 Strategi Organisasi Koperasi.................................................................
57
3.1.5 Pembagian Tugas dan wewenang .........................................................
59
3.2 Analisis Sistem yang sedang berjalan .............................................................
64
3.2.2 Fungsi – fungsi yang terkait..................................................................
64
3.2.3 Dokumen yang digunakan ....................................................................
65
3.2.4 Laporan yang dihasilkan .......................................................................
66
3.2.5 Kebijakan Koperasi ...............................................................................
66
3.2.6 Kebijakan Manajemen Koperasi Dalam Penghimpunan Dana .............
67
3.2.6.1 SOP Penghimpunan dana ................................................................
67
3.2.6.2 Ketentuan umum dan kebijakan simpanan ......................................
68
3.2.6.3 Ketentuan umum dan kebijakan simpanan berjangka .....................
72
3.2.7 Kebijakan koperasi dalam penyaluran dana .........................................
74
3.2.7.1 SOP Penyaluran dana ......................................................................
74
3.2.7.2 Kebijakan Jenis Pinjaman................................................................
78
3.2.7.3 Ketentuan Persyaratan Calon peminjam .........................................
80
3.2.7.4 Kebijakan Plafon Pinjaman .............................................................
81
3.2.7.5 Kebijakan Biaya Pinjaman ..............................................................
82
3.2.7.6 Metode Angsuran Pinjaman ............................................................
84
3.2.7.7 Kebijakan Angunan .........................................................................
85
3.2.7.8 Kebijakan Pengembalian dan jangka waktu peminjaman ...............
85
3.2.7.9 Ketentuan Permohonan Pinjaman ...................................................
85
3.2.7.10 Kebijakan analisis Pinjaman..........................................................
86
3.2.7.11Kebijakan Pembinaan Pemanfaat Jasa Pelayanan Usaha ...............
87
x
3.2.7.12 Kebijakan Penangan Pinjaman bermasalah ...................................
87
3.2.8 Prosedur - prosedur Simpan dan Pinjam ...............................................
94
3.2.8.1 Prosedur simpanan...........................................................................
94
3.2.8.1.1 Prosedur Pembukaan Simpanan .................................................
94
3.2.8.1.2 Prosedur Penyetoran Simpanan..................................................
97
3.2.8.1.3 Prosedur Penarikan Simpanan....................................................
98
3.2.8.1.4 Prosedur Penutupan Simpanan ...................................................
101
3.2.8.1.5 Prosedur Pembukuan, dan Penarikan Simpanan di Pasar ..........
104
3.2.8.1.6 Prosedur Pembukuan Simpanan Koperasi di lokasi pasar .........
105
3.2.8.1.7Prosedur Penyetoran Simpanan Koperasi di lokasi Pasar ...........
107
3.2.8.1.8 Prosedur Penarikan Simpanan Koperasi di Lokasi Pasar ..........
109
3.2.8.1.9 Prosedur Rekonsiliasi Simpanan Koperasi di lokasi Pasar ........
111
3.2.8.1.10 Prosedur Perhitungan dan pembukuan bunga simpanan ..........
111
3.2.8.1.11 Prosedur Pembebanan Bunga ke Buku Simpanan Anggota .....
112
3.2.8.1.12 Prosedur Simpanan Kehilangan Buku Simpanan ...................
113
3.2.8.2 Prosedur Pinjaman ...........................................................................
117
3.2.8.2.1 Prosedur Pemberian Pinjaman ..................................................
117
3.2.8.2.2 Prosedur Analisis Pinjaman ......................................................
120
3.2.8.2.3 Prosedur Pembayaran angsuran pinjaman ................................
122
3.2.8.2.4 Prosedur Pelunasan pinjaman ...................................................
124
3.2.9 SOP Manajemen Keuangan Usaha Simpan Pinjam.............................
126
3.2.9.1 Batasan Manajemen Keuangan koperasi ........................................
126
3.2.9.2 Landasan Kerja ................................................................................
128
3.2.9.3 SOP Penentuan keseimbangan arus dana ........................................
129
3.2.9.3.1 Pengaturan Likuiditas minimum ...............................................
129
3.2.9.3.2 Manajemen aktiva – pasiva ........................................................
130
3.2.9.3.3 Likuiditas KSP ..........................................................................
131
3.2.9.3.4 Peraturan Keseimbangan arus kas .............................................
131
3.2.9.3.5 Ketentuan perencanaan kas .......................................................
131
3.2.9.3.6 Jangka waktu perencanaan kas...................................................
133
3.2.9.3.7 Pendekatan Penyusunan anggaran kas ......................................
134
xi
3.2.9.3.8 Prosedur penyusunan anggaran kas ..........................................
134
3.2.9.3.9 Pengendalian kas .......................................................................
135
3.2.10 Gambaran sistem simpan dan pinjam .................................................
138
3.2.10.1 Flowchart sistem yang sedang berjalan ........................................
138
3.2.10.2 Rich Picture sistem yang sedang berjalan .....................................
141
3.2.10.3 Rich Picture Definition .................................................................
141
3.3 Analisis Masalah ............................................................................................
143
3.4 Solusi yang diusulkan .....................................................................................
144
3.5 Perhitungan bunga simpanan dan pijaman......................................................
144
3.5.1 Metode perhitungan bunga simpanan ..................................................
145
3.5.2 Metode Penetapan nilai bunga pinjaman KSP koperasi ......................
148
3.5.3 Metode perhitungan angusuran pinjaman ............................................
150
3.5.4 Penyelamatan Pinjaman yang diragukan .............................................
152
3.5.5 Simulasi Pinjaman untuk skala usaha mikro .......................................
153
3.5.6 Simulasi pinjaman untuk anggota ........................................................
154
BAB 4 PERANCANGAN SISTEM INFORMASI AKUNTANSI SIMPAN PINJAM PADA KOPERASI SIMPAN PINJAM DHANAMAS 4.1 Analysis document ................................................................................................. 155 4.1.1 The Task ................................................................................................. 155 4.1.1.1 Purpose ............................................................................................ 155 4.1.1.2 System Definition ............................................................................. 155 4.1.1.3 Context ............................................................................................. 157 4.1.1.3.1 Probem Domain ......................................................................... 157 4.1.1.3.2 Application Domain ................................................................... 187 4.1.2 Problem Domain ................................................................................... 188 4.1.2.1 Clusters ............................................................................................ 188 4.1.2.2 Structure .......................................................................................... 189 4.1.2.3 Class ................................................................................................ 194 4.1.2.3.1 Karyawan ................................................................................... 194 4.1.2.3.2 Bagian Keuangan ..................................................................... 195 4.1.2.3.3 Bagian Accounting .................................................................... 196 4.1.2.3.4 Bagian Administrasi .................................................................. 197 4.1.2.3.5 Bagian Pinjaman ....................................................................... 198 4.1.2.3.6 Bagian Hukam dan Administrasi .............................................. 199 4.1.2.3.7 Bagian Taksasi Pinjaman .......................................................... 200 xii
4.1.2.3.8 Nota Pengajuan Kredit .............................................................. 4.1.2.3.8.1 Nota Pengajuan Kredit Diterima ........................................ 4.1.2.3.8.2 Nota Pengajuan Kredit Ditolak ......................................... 4.1.2.3.9 Mendafatar ................................................................................. 4.1.2.3.10 Anggota .................................................................................... 4.1.2.3.11 Memo Penilaian jaminan ......................................................... 4.1.2.3.12 Analisis Peminjam .................................................................. 4.1.2.3.13 Nota Kredit ............................................................................... 4.1.2.3.14 Form Jaminan .......................................................................... 4.1.2.3.15 Buku simpanan ......................................................................... 4.1.2.3.16 Bukti Setoran ............................................................................ 4.1.2.3.17 Bukti Pembayaran .................................................................... 4.1.2.3.18 Pembayaran .............................................................................. 4.1.2.3.19 Surat Pernyataan Jaminan ........................................................ 4.1.2.4 Event ................................................................................................ 4.1.3 Application Domain .............................................................................. 4.1.3.1 Usage ............................................................................................... 4.1.3.1.1 Overview .................................................................................... 4.1.3.1.2 Actors ......................................................................................... 4.1.3.1.3 Usecase ...................................................................................... 4.1.3.1.4 Sequence ..................................................................................... 4.1.3.2 Function List .................................................................................... 4.1.3.3 User Interface .................................................................................. 4.1.3.3.1 Dialogue Style ............................................................................ 4.1.3.3.2 Overview .................................................................................... 4.1.3.4 The Technical Platform ................................................................... 4.1.4 Reccomendation .................................................................................... 4.1.4.1 The System’s Usefullness and Feasibility........................................ 4.1.4.2 Strategy ............................................................................................ 4.1.4.3 Development Economy .................................................................... 4.2 Design Document ................................................................................................... 4.2.1 The task ................................................................................................. 4.2.1.1 The Purpose ..................................................................................... 4.2.1.2 Correction to the analysis ............................................................... 4.2.1.3 Quality Goals................................................................................... 4.2.2 Technical Platform................................................................................ 4.2.2.1 Equipment ........................................................................................ 4.2.2.2 System Software ............................................................................... 4.2.2.3 System Interface............................................................................... 4.2.2.4 Design Language ............................................................................. xiii
201 202 203 203 204 205 206 207 208 209 210 211 212 213 214 218 218 218 220 225 236 254 258 258 259 296 296 296 296 296 297 297 297 297 298 299 300 301 301 301
4.2.3 Architecture........................................................................................... 4.2.3.1 Component Architecture .................................................................. 4.2.3.2 Process Architecture ....................................................................... 4.2.3.3 Standard .......................................................................................... 4.2.4 Component ............................................................................................ 4.2.4.1 Model Component ........................................................................... 4.2.4.1.1Structure ...................................................................................... 4.2.4.1.2Classes......................................................................................... 4.2.4.2 Function Component ....................................................................... 4.2.4.2.1 Structure ..................................................................................... 4.2.4.2.2 Classes........................................................................................ 4.2.4.2.3 Database .................................................................................... 4.2.4.3 User Interface Component ............................................................... 4.2.4.3.1 Structure ..................................................................................... 4.2.5 Recommendation .................................................................................. 4.2.5.1 The system’s Usefullness .............................................................. 4.2.5.2 Plan For Initiating Use ................................................................. 4.2.5.3 Implementation Plan .....................................................................
301 302 303 305 307 307 308 310 311 311 312 316 323 323 325 325 326 327
BAB 5 SIMPULAN DAN SARAN 5.1 Simpulan ................................................................................................................ 5.2Saran .......................................................................................................................
239 241
DAFTAR PUSTAKA RIWAYAT HIDUP FOTOCOPY SURAT SURVEI
xiv
DAFTAR TABEL
Halaman
Tabel 1.1 Perkembangan Usaha Koperasi Simpan Pinjam Dhanamas ........................
2
Tabel 2.1 Perhitungan pajak penghasilan pada SHU ( Sisa Hasil Usaha) ...................
25
Tabel 2.2 Kriteria kualitas perangkat lunak .................................................................
43
Tabel 2.3 Jenis arsitektur client-server ........................................................................
46
Tabel 4.1 System Definition dengan kriteria FACTOR ...............................................
156
Tabel 4.2 Event table. ..................................................................................................
215
Tabel 4.3 Actor Table Sistem Informasi Akuntansi Simpan dan Pinjam ....................
219
Tabel 4.4 Actor specification untuk Karyawan “Bagian Administrasi” .....................
220
Tabel 4.5 Actor specification untuk Karyawan “Bagian Keuangan”..........................
221
Tabel 4.6 Actor specification untuk Karyawan “Bagian Accounting” .......................
222
Tabel 4.7 Actor specification untuk Karyawan “Bagian Pinjaman” ...........................
222
Tabel 4.8 Actor specification untuk Karyawan “Bagian Taksasi Pinjaman” .............
223
Tabel 4.9 Actor specification untuk Karyawan “Bagian Hukum danAdministrasi” ..
224
Tabel 4.10 Function List ..............................................................................................
254
Tabel 4.11 Window User Interface ..............................................................................
258
Tabel 4.12 Kriteria perancangan .................................................................................
299
Tabel 4.13 Spesifikasi hardware .................................................................................
300
Tabel 4.14 Operation specification “ Perhitungan bunga simpanan” ..........................
313
Tabel 4.15 Operation specification “ Perhitungan bunga Pinjaman” ..........................
314
Tabel 4.16 Operation specification “ Perhitungan angsuran pembayaran” .................
316
Tabel 4.17 Evaluasi Perancangan dengan Kriteria Kualitas .......................................
325
Tabel 4.18Gantt ChartRencana Implementasi Sistem .................................................
327
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DAFTAR GAMBAR Halaman Gambar 2.1 Proses dalam koperasi Simpan Pinjam ................................................... 13 Gambar 2.2 Siklus Akuntansi Pencatatan .................................................................... 13 Gambar 2.3Pilar Akuntansi Indonesia ......................................................................... 18 Gambar 2.4 Pertumbuhan Data Usaha Kecil dan Menengah ...................................... 19 Gambar 2.3 Kegiatan utama dan hasil analisa dan perancangan berorientasi objek ... 26 Gambar 2.4 Aktivitas didalam model problem-domain .............................................. 28 Gambar 2.5 Sub-aktivitas dalam memilih problem-domain class dan event............... 30 Gambar 2.6Generalization Structure ........................................................................... 31 Gambar 2.7Cluster Structure ...................................................................................... 31 Gambar 2.8Aggregation Structure ............................................................................... 32 Gambar 2.9Association Structure ................................................................................ 33 Gambar 2.10 Struktur kontrol dalam statechart .......................................................... 34 Gambar 2.11 Aktivitas utama dalam analisis application-domain .............................. 35 Gambar 2.12 Contoh use case diagram ....................................................................... 36 Gambar 2.13 Hubungan semua tipe fungsi .................................................................. 37 Gambar 2.14 Contoh navigation diagram ................................................................... 39 Gambar 2.15 Aktivitas dalam architectural design ..................................................... 41 Gambar 2.16Layered architeture pattern .................................................................... 44 Gambar 2.17Generic architecture pattern................................................................... 45 Gambar 2.19Centralized pattern ................................................................................. 46 Gambar 2.20Distributed pattern .................................................................................. 46 Gambar 2.21Decentralized pattern.............................................................................. 47 Gambar 2.22Component design ................................................................................... 49 Gambar 2.23Revised class diagram............................................................................. 50 Gambar 2.24Class diagram dengan operation ............................................................ 51 Gambar 3.1 Struktur organisasi koperasi DHNAMAS................................................ 58 Gambar 3.2 Flowchart Pinjaman sistem berjalan ........................................................ 139 Gambar 3.3 Flowchart sistem simpanan yang sedang berjalan ................................... 140 Gambar 3.4 Rich Picture yang sedang berjalan ........................................................... 141 Gambar 4.1 Rich picture yang diusulkan ..................................................................... 186 Gambar 4.2 Struktur koperasi diusulkan ..................................................................... 187 Gambar 4.3 Model sistem informasi simpan dan pinjam koperasi DHANAMAS...... 188 Gambar 4.4 Struktur “Karyawan”................................................................................ 189 Gambar 4.5 Struktur “Simpanan” ................................................................................ 190 Gambar 4.6 Struktur “Analisis Pinjaman..................................................................... 191 xvi
Gambar 4.7 Struktur “Anggota” .................................................................................. Gambar 4.8 Struktur “Pembayaran” ............................................................................ Gambar 4.9 Struktur “Pinjaman” ................................................................................. Gambar 4.10 Struktur “Jaminan” ................................................................................. Gambar 4.11 Class Diagram ....................................................................................... Gambar 4.12 Class Karyawan ..................................................................................... Gambar 4.13 Class bagian keuangan dan State Chart bagian keuangan .................... Gambar 4.14 Class bagian accounting dan State Chart bagian accounting ................ Gambar 4.15 Class bagian administrasi dan State Chart bagian administrasi ........... Gambar 4.16 Class bagian Pinjaman dan State Chart bagian Pinjaman .................... Gambar 4.17 Class Bagian Hukum dan Administrasi dan State Chart ....................... Gambar 4.18 Class Bagian Taksasi Pinjaman dan State Chart................................... Gambar 4.19 Class Bagian Nota Pengajuan Kredit Diterima dan State Chart........... Gambar 4.20 Class Bagian Nota Pengajuan Kredit Ditolak dan State Chart ............. Gambar 4.21 Class mendaftar dan State Chart mendaftar .......................................... Gambar 4.22 Class anggota dan State Chart anggota ................................................. Gambar 4.23 Class memo penilaian jaminan dan State Chart .................................... Gambar 4.24 Class analisis penilaian calon peminjam dan State Chart ..................... Gambar 4.25 Class nota kredit dan State Chart nota kredit ........................................ Gambar 4.26 Class form jaminan dan State Chart form jaminan ............................... Gambar 4.27 Class buku simpanan / tabungan dan State Chart.................................. Gambar 4.28 Class bukti setoran dan State Chart bukti setoran ................................. Gambar 4.29 Class bukti bayar dan State Chart bukti bayar ...................................... Gambar 4.30 Class pembayaran dan State Chart pembayaran.................................... Gambar 4.31 Class surat pernyataan jaminan dan State Chart ................................... Gambar 4.32 Use Case Diagram Sistem Informasi Akuntansi Simpan dan Pinjam ... Gambar 4.33 Sequence Diagram untuk Use Case “Mendata Anggota” ..................... Gambar 4.34 Sequence Diagram untuk Use Case “Mencetak kartu anggota”............ Gambar 4.35 Sequence Diagram untuk Use Case “Melakukan analisa Peminjam” ... Gambar 4.36 Sequence Diagram untuk Use Case “Mencetak Nota Kredit” .............. Gambar 4.37 Sequence Diagram untuk Use Case “Mencetak Nota pengajuan Kredit diterima” ...................................................................................... Gambar 4.38 Sequence Diagram untuk Use Case “Mencetak Nota pengajuan Kredit ditolak”.............................................................................................................. Gambar 4.39 Sequence Diagram untuk Use Case “Mencetak Laporan Simpanan” ... Gambar 4.40 Sequence Diagram untuk Use Case “Mencetak Laporan Pinjaman” .... Gambar 4.41 Sequence Diagram untuk Use Case “Mencetak Laporan Kolektibilitas Pinjaman” .............................................................................................. Gambar 4.42 Sequence Diagram untuk Use Case “Mencetak memo penilaian jaminan” Gambar 4.43 Sequence Diagram untuk Use Case “Mencetak surat pernyataan jaminan” xvii
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Gambar 4.44 Sequence Diagram untuk Use Case “Membuat angsuran Scheduling Pinjaman” ................................................................................................................. 248 Gambar 4.45 Sequence Diagram untuk Use Case “Mencetak Buku Tabungan” ........ 249 Gambar 4.46 Sequence Diagram untuk Use Case “Mencetak Laporan anggota”....... 250 Gambar 4.47 Sequence Diagram untuk Use Case “ ref data anggota”........................ 251 Gambar 4.48 Sequence Diagram untuk Use Case “ref data analisa peminjam” ......... 252 Gambar 4.49 Sequence Diagram untuk Use Case “ref search anggota” ..................... 253 Gambar 4.50 Navigation Diagram............................................................................... 260 Gambar 4.51 Window Login ........................................................................................ 261 Gambar 4.52 Window Home ........................................................................................ 262 Gambar 4.53 Window master data ............................................................................... 263 Gambar 4.54 Window Transaksi Pinjaman .................................................................. 263 Gambar 4.55 Window Transaksi Simpanan ................................................................. 264 Gambar 4.56 Window Laporan .................................................................................... 264 Gambar 4.57 Window Anggota .................................................................................... 265 Gambar 4.58 Window Keuangan Anggota ................................................................... 266 Gambar 4.59 Window Analisis Pinjaman .................................................................... 267 Gambar 4.60 Window Jaminan .................................................................................... 268 Gambar 4.61 Window Memo Penilaian Pinjaman ....................................................... 269 Gambar 4.62 Window Nota Kredit ............................................................................... 270 Gambar 4.63 Window Nota Pengajuan Kredit ............................................................. 271 Gambar 4.64 Window Pembayaran .............................................................................. 272 Gambar 4.65 Window Saldo Pinjaman ........................................................................ 273 Gambar 4.66 Window Saldo Simpanan........................................................................ 274 Gambar 4.67 Window Perhitungan Bunga Simpanan .................................................. 275 Gambar 4.68 Window Laporan Kolektibilitas ............................................................. 276 Gambar 4.69 Window Simpanan Berjangka ................................................................ 277 Gambar 4.70 Window setup produk simpanan............................................................. 278 Gambar 4.71 Window setup data koperasi ................................................................... 278 Gambar 4.72 Window setup bunga simpan dan pinjam ............................................... 279 Gambar 4.73 Window Penabung .................................................................................. 279 Gambar 4.74 Window Laporan Anggota ..................................................................... 280 Gambar 4.75 Window Laporan Simpanan ................................................................... 281 Gambar 4.76 Window Laporan Pinjaman .................................................................... 282 Gambar 4.77 Window Kolektibilitas ............................................................................ 283 Gambar 4.78 Window Kolektibilitas bentuk batang 3d ............................................... 284 Gambar 4.79 Kartu Anggota ........................................................................................ 285 Gambar 4.80 Cetak Buku Tabungan ............................................................................ 286 Gambar 4.81 Kartu Pinjaman....................................................................................... 287 Gambar 4.82 Daftar Peminjam .................................................................................... 288 xviii
Gambar 4.83 Scheduling Angsuran ............................................................................. Gambar 4.84 Laporan Posting Pendapatan bunga ....................................................... Gambar 4.85 print out Laporan Anggota ..................................................................... Gambar 4.86 print out Laporan Simpanan................................................................... Gambar 4.87 print out Laporan Pinjaman ................................................................... Gambar 4.88 print out Laporan Simpanan................................................................... Gambar 4.89 print out Bukti Bayar ............................................................................. Gambar 4.90 Component diagram ............................................................................... Gambar 4.91Deployment diagram ............................................................................... Gambar 4.92 Arsitektur Jaringan ................................................................................. Gambar 4.93 beberapa contoh button standard .......................................................... Gambar 4.94Revised Classdiagram ............................................................................. Gambar 4.95 Function Component .............................................................................. Gambar 4.96 Database Analisis Peminjam ................................................................. Gambar 4.97 Database Anggota .................................................................................. Gambar 4.98 Database Pembayaran ............................................................................ Gambar 4.99 Database Kartu Anggota........................................................................ Gambar 4.100 Database data keuangan anggota ......................................................... Gambar 4.101 Database setup data koperasi ............................................................... Gambar 4.102 Database form jaminan ........................................................................ Gambar 4.103 Database Nota Kredit jatuh tempo pada saldo pinjaman..................... Gambar 4.104 Database memo jaminan...................................................................... Gambar 4.105 Database nota kredit ............................................................................ Gambar 4.106 Database Peminjam ............................................................................. Gambar 4.107 Database Rekening .............................................................................. Gambar 4.108 Database setup bunga simpan dan pinjam ........................................... Gambar 4.109 Database Simpanan ............................................................................. Gambar 4.110 Databasesurat jaminan ......................................................................... Gambar 4.111 Database TrPeminjam ......................................................................... Gambar 4.112 Database User ..................................................................................... Gambar 4.113User Interface component .....................................................................
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