CHAPTER 1 1.

1 INTRODUCTION TO THE STUDY BUSINESS PROCESS MANAGEMENT: Business process management (BPM) is a systematic approach to mak ing an organization's workflow more effective, more efficient and more capable o f adapting to an ever-changing environment. A Business process is an activity or set of activities that will accomplish a specific organizational goal. NEED FOR BUSINESS PROCESS MANAGEMENT: BPM enables banks to automate business processes like account o pening, lending or payments to optimize costs. Financial Service providers are i ncreasingly looking to BPM not only as a solution to specific, immediate process improvement objectives, but as a platform that gives them the ability to tackle diverse process improvement initiatives and realize the following benefits: Better target and serve your customer economically streamline the end-to-end client management process and guide emplo yees through decision-making process with dynamic process coaches. Enable Straight-Through Processing Business rules in processes can help automate the routing and processing of task s - often reducing the amount of human intervention needed by over 80%. Create an audit trail Detailed process reporting provides complete picture of the process including ac tivities, systems, and participants. BENFITS OF BUSINESS PROCESS MANAGEMENT: Business process management enables organization to align internal business func tions with customer needs, and helps executive determine how to direct, monitor and measure company resources. When properly executed by qualified professionals, business process management h as the capacity to reduce costs, enhance efficiency and productivity and minimiz e errors. Improves process quality. Improves Customer Satisfaction. Engenders Continuous Process Improvement. Reduces Costs. Improves the Customer Experience. Improves Business agility.

LOAN AUTOMATION SYSTEM: A browser based automated loan system includes a loan engine o ffered individually to financial institutions to set up, operate and manage loan product offerings, a consumer website interface having a loan application form with data fields relevant to the loan product offerings, a designer component th at establishes tasks in the form of a loan process checklist associated with eac h loan product offering, and a workflow engine for automatically evaluating the loan application form using the applicable loan process checklist in conjunction with rules, logical mathematical computational components, and risk based offer configurations for generating an instant loan offer when a borrower qualifies. Each task has attributes available for establishing entry conditions to provide workflow automation, and each task is performed when the entry conditions associ

ated therewith are satisfied. The consumer website interface enables selecting a category of loan product offerings, and each checklist is associated with the s elected category. NEED FOR LOAN AUTOMATION SYSTEM: The present invention relates to a system and method for instantly evalua ting and authorizing on-line loan applications. More specifically, the present i nvention relates to a system for accepting on-line loan applications, processing the applications automatically, and generating loan offers based on the loan ap plication and credit worthiness and conditioned on verification. Traditionally, financial products, such as loans, have been marketed largely thr ough financial institutions' literature and agents. The financial service provid er relies on the agents for a large number of tasks, including acquiring demogra phic information, verifying the accuracy of the information, evaluating the info rmation, and offering to sell products to the customer. Technology has changed the landscape of the financial services industry such tha t agents play an increasingly shrinking role in marketing the financial products to consumers. As the Internet has grown in popularity, consumers shop for finan cial services over the Internet without the aid of an agent. ATM machines and ot her electronic devices that interact with existing financial institutions also p rovide opportunities for marketing financial services. CHALLENGES IN AUTOMATION SYSTEM: Automation process is a complex process where the disjointed functional departme nts give way to process based organizational system and connects the information into a common entity,there by streamlining the processes.

1.2 COMPANY PROFILE Date of Establishment 03-11 1926 Revenue 238.806 ( USD in Millions ) Market Cap 8587.150212 ( Rs. in Millions ) Corporate Address Salem Road,,Kathaparai,, Karur-639006, Tamil Nadu www.lvbank.com Management Details Chairperson MD - P R Somasundaram Directors - B K Manjunath, B Murali Nair, D L N Rao, E Sreedhar, G Sudhakara Gup ta, K Balaji, K R Pradeep, K Ravindrakumar, Ksr Anjaneyulu, Kusuma R Muniraju, M P Shyam, M Palaniappan, N Saiprasad, Naganna Prabhakaran, P R Somasundaram, R M ohan, R Sridharan, Rajat Baldhi, S Dattathreyan, S G Prabhakharan, S L Sivashanm ugam, S Narayan, S Venkateswaran, V Prakash, V S Reddy Business Operation Bank Private Background Lakshmi Vilas Bank (LVB) was founded eight decades ago in 1926 b y seven people of Karur under the leadership of VSN Ramalinga Chettiar, mainly t o cater to the financial needs of varied customer segments. The bank was incorpo rated on November 03, 1926 under the Indian companies act, 1913 and obtained the certificate to commence business on November 10, 1926, the bank obtained its li

cense from Reserve Bank Financials Total Income - Rs. 12018.514 Million ( year ending Mar 2011) Net Profit - Rs. 1011.368 Million ( year ending Mar 2011) Company Secretary S Venkateswaran Bankers Auditors Sundaram & Srinivasan, Abarna & Ananthan

HISTORY OF THE ORGANIZATION: Lakshmi Vilas Bank (LVB) was founded eight decades ago in 1926 by seven people o f Karur under the leadership of VSN Ramalinga Chettiar, mainly to cater to the f inancial needs of varied customer segments. The bank was incorporated on Novembe r 03, 1926 under the Indian companies act, 1913 and obtained the certificate to commence business on November 10, 1926, the bank obtained its license from Reser ve Bank of India (RBI) in June 1958 and in August 1958 it became a scheduled com mercial bank. During 1961-65 LVB took over nine banks and raised its branch network considerab ly. To meet the emerging challenges in the competitive business world, the bank started expanding its boundaries beyond Tamil Nadu from 1974 by opening branches in the neighboring states of Andhra Pradesh, Karnataka, Kerala, Maharashtra, Ma dhya Pradesh, Gujarat, West Bengal, Uttar Pradesh, Delhi and Pondicherry. Mechanization was introduced in the head office of the bank as early as 1977. At present, with a network of 249 branches, 3 satellite branches and 6 extension c ounters, spread over 14 states and the union territory of Pondicherry, the banks focus is on customer delight, by maintaining high standards of customer service and amidst all these new challenges, the bank is progressing admirably. LVB has a strong and wide base in the state of Tamil Nadu, one of the progressive states in the country, which is politically stable and has a vibrant industrial enviro nment. LVB has been focusing on retail banking, corporate banking and bank assur ance. The banks business crossed Rs. 12,606 crores as on March 31, 2009. The bank earne d a net profit of Rs. 50.30 crores. The net owned fund of the bank reaches Rs 45 3.70 crore. With a fairly good quality of loan assets the net NPA of the bank wa s pegged at 1.24 % as on March 31, 2009. MISSION: To develop a range of quality financial services and products to create value fo r customers, shareholders and the society; to motivate people to achieve excelle nce in performance leading to sustained profitable growth and build a vibrant or ganization. PRODUCTS PROFILE: LVB offers a comprehensive range of Products & Services: FIG 1.1 PRODUCTS PROFILE 1. SAVINGS Savings Bank LVB Savings Bank is intended to promote the healthy habit of saving and for the steady growth of one's money in the bank. LVB recognizes that Savings Bank cust omers are the pulse of all banking activity and that a satisfied customer at the SB counter is the best advertisement to the bank. Savings Bank is the landing ground for all deposits and its customers are the opinion leaders. Hence LVB att

aches a lot of importance to the efficient functioning of the savings department . No Frills SB Account It is available primarily to low income group people of the society, downtrodden men and women, students, senior citizens, weaker sections of the society, finan cially and economically backward people, who are mainly residing in rural and se mi urban centres of our country. The main idea behind the NO-FRILLS SB ACCOUNT is to reach out a sizable section of the population, who have been deterred and discouraged in availing Banking services for one reason or the other. Lakshmi Savings Gold Lakshmi Savings Gold account offers special privileges to our customers who main tain an Average Monthly Minimum Balance of Rs. 10,000 and above. Lakshmi Savings Star Gold Lakshmi Savings Gold account offers special privileges to our customers who main tain an Average Monthly Minimum Balance of Rs. 20,000 and above. Lakshmi Savings Balance Free Lakshmi Balance Free account is available in all the branches, specially meant f or salaried persons. The employer firm/organization should have account with the bank. Salary of the employees shall be credited directly to the employees account. It shall be a Zero balance account. ATM withdrawal of Rs.25000/- per day Free Net Banking Lakshmi Savings Youth Power A savings account exclusively for children/youth.

2. CURRENT Lakshmi Supreme Multicity current account is termed as "Lakshmi Supreme". The current account wi ll be for Business Organizations and Small & Medium Enterprises. Features of Multic ity Cheque Facility Accounts. Lakshmi Current Diamond Lakshmi Current Diamond account offers special privileges to our customers who m aintain an Average Monthly Minimum Balance of Rs. 5 Lacs and above. Lakshmi Current Diamond Plus Lakshmi Current Diamond account offers special privileges to our customers who maintain an Average Monthly Minimum Balance of Rs. 10 Lacs and above. Lakshmi Current Silver Lakshmi Current Silver account offers special privileges to our customers who ma intain an Average Monthly Minimum Balance (AMMB) of Rs. 1 Lakh and above. 3. FIXED RATE DEPOSITS Fixed Deposits Suitable for planned expenditure or savings Recurring Save in dribbles - receive a lump sum. Suitable for Tax planning, Annual payment c ommitments like Insurance premium, long-term requirements like purchase of consu mer articles/ durables, house construction, children's education etc. Lakshmi Freedom Deposit (LFD) The scheme has several unique features, which are customer friendly and an attra ctive form of investment. Lakshmi Tax Saver Deposit The scheme has several unique features, which are customer friendly and an attra ctive form of investment.

ONLINE SERVICES

Open term deposit online Make donation Book Movie ticket Recharge Mobile Pay utility bills Shop online Recharge DTH Repay loan online Net banking ECS Apply online CUSTOMER SERVICES Branch locator map ATM map Grievance Redressal Customer care Cash tree and NFS MOBILE BANKING Enables Funds Transfer form one Bank A/C to another Bank A/C through Mobile Phon e. Air Ticket Booking Train Ticket Booking Movie Ticket Booking Mobile/DTH recharge CORE BANKING Anytime, anywhere banking. Online statement of accounts from any ATM. Instant funds transfer between CBS branches. Single view for all accounts of customers. TECHNOLOGICAL PRODUCTS & SERVICES AT LVB Funds Transfer through NEFT/RTGS VISA ATM debit cards/VISA gold card Internet Banking Door step banking SMS alerts IMPS-Fund transfer through mobile phone up to Rs. 50,000 E-Tax payments Money transfer through Western Union Money, X-Press Money & Money Gram Bank assurance- Tie up with LIC General Insurance products through BAJAJ ALLIANZ ASSURANCE LTD Investment opportunity arrangements with top Mutual Funds In India.

1.3. STATEMENT OF THE PROBLEM In bank loan process plays a vital role from authorization to approval. Where it takes many days to sanction a loan, so the customer cannot know the status of t he loan process, the bank people should transfer the document to various departm ents for authorization and approval so it is difficult to maintain the paper bas ed documents in the entire process. The document sent by post or courier service s to the higher officials to sanction or approval a loan application may take mo re time, so the customer cannot track application and unable to know the status of it.

1.4. OBJECTIVES OF THE STUDY PRIMARY OBJECTIVE: To create an interface which facilitates a customer to apply for a loan on-lin e and to track the status from time-to-time along with aiding the loan approval agency to verify and accept/reject the customer file. SECONDARY OBJECTIVE: To reduce the paper based work and manage the work flow. To reduce the time delay in sanctioning the loan. To provide security to the data that used in the process.

1.5. SCOPE OF THE STUDY This project provides an opportunity to understand the entire loan process in La kshmi vilas bank and also helps to understand the difficulties in implanting the new automation of loan process.the various issues associated with the conversio n of management process which exists in the organization and also to suggest the m for effective usage of the loan process automation implementation.

2.REVIEW OF LITERATURE This work draws on the following streams of literature: the work on the business value of information technology and the more specialized literature on the valu e of automation of loan process implementations. 1. Souvik Barat and Vinay Kulkarni-, A component abstraction for business process es, International Journal of Business Process Integration and Management, 2012 Vo l.6, No.1, pp.29 40. With continued increase in business dynamics, it is becoming increasingly harder to deliver purpose-specific business system in the ever-shrinking window of opp ortunity. As business systems for the same intent tend to be similar but never t he same, they have considerable overlap with well-defined differences. Software product line engineering techniques attempt to address this problem for software artefacts. Separation of business process concerns from application functionali

ty, as advocated in process centric application development, demands solution on similar lines for business processes too. To this effect, we propose an abstrac tion for business processes that addresses composition, variability and resoluti on in a unified manner. 2. Jhon Jeston and Johan Nelis-, Business Process Management , Idea Group Publishi ng. Business Process Management: Practical Guidelines to Successful Implementation p rovides organizational leadership with an understanding of Business Process Mana gement and its importance to an organization. This provides Business Process Man agement practitioners a framework and set of tools and techniques that provides a practical guide to successfully implementing Business Process Management proje cts.

3. Michael Zur Muehlen-,Business process Management and Innovation, International journal of current issues in technology management,Summer-2009,VOL-9,Issue-3. Applications such as document management systems with routing functionality, wor kflow management systems, enterprise application integration platforms and other work management technologies have led to an increasing awareness of business processes in corporate IT departments. 4. Vossen and G. Weske, Object-Oriented Workflow Management System. In Proceedin gs of the 1999 ACM SIGMOD Conference on Management of Data, pp. 587-589. New Yor k: ACM 1999. Business process management has a significant impact on major corporate sector t his helps them to understand the workflow and manage the work flow in a signific ant manner. 5.Matt Cumberlidge ,Business process Management with JBOSS JBPM,Packt Publishing. Business Process Management tools enable organizations to enhance innovation, in tegration and the speed at which they're able to deliver products and services, helping 21st Century businesses gain an edge over the competition. And effective use of BPM tools can help CIOs with other issues like regulatory compliance and keeping up with the global marketplace by leveraging IT. It can even help impro ve a company's brand recognition. And BPM use will grow quickly as it becomes mo re influential in the business world, according to the book "Value-Driven Busine ss Process Management.

CHAPTER 3 PROCESS FLOW ENTIRE FLOW OF LOAN PROCESS IN BANK FIG 3.1 ENTIRE PROCESS FLOW OF LOAN SECTION.

In Lakshmi vilas bank existing system is a manual one in which users are mainta ining books to store the information like product details, Distributors details,

purchases, sales details and accounts for every month. It is very difficult to maintain historical data. It doesnt allow the customer to check the status of his file in proper way which leads customer dis-satisfaction. Doesnt provide faster and effective system. Doesnt provide good co-ordination between departments. Doesnt provide effective forwarding system to move the file from one level to ano ther. Doesnt user-friendly interface. Difficulty in generating different reports as per the business requirement. Doesnt facilitate the services from online. The bank people cannot find the laon document in the office where the paper work is more in this process .the manager has a certain credit limit to sanction a l oan otherwise the document has to be sent to the head office where the higher of ficials evaluate the application in various attributes like legal consideration, security power,verification from other banks(such as customer even obtained loan from other banks) etc to be considered. The various higher officials who evaluate the application in head office are as follows: ADMINISTRATIVE OFFICER(A.O) CHIEF FINANCIAL OFFICER(C.F.O) BOARD OF DIRECTORS(B.O.D) MANAGING DIRECTORS(M.D) PROCEDURE: STEP1: APPLICATION FORM In this process the procurement of application takes place where the customer sh ould submit the application to the bank along with documents like age proof, inc ome proof, balance sheet, and bank charges processing fees 0.25%-0.50% of the to tal, loan amount. STEP2: PERSONAL DISSCUSSION Here the customer sits with the bank people face to face communication where ban k evaluates the paper and summons the application for discussion, it is necessar y to produce the original documents. STEP3: FIELD INVESTIGATION Representatives of the bank will come to customer home or office where the field verification is done. this enables the trust of the bank. STEP4: CREDIT APPRAISAL BY BANK AND LOAN SANCTION Bank will establish the repayment capacity based on income, age, qualification, experience, employer, nature of business to access the credential. Bank can reje ct if any discrepancy is founded at this stage. STEP5: OFFER LETTER After sanction of the loan, the applicant gets offer letter from bank along with the following details: Loan amount Rate of interest Fixed or variable ROI Tenure of the loan Mode of repayment General terms & conditions of the loan Special conditions if any

STEP6: SUBMISSION OF LEGAL DOCUMENTS AND LEGAL CHECK

Bank now ask for the legal documents of the property involved for the loan. all the legal documents should be submitted to the bank for verification. STEP7: TECHNICAL/VALUATION CHECK Bank goes about for the technical and valuation check of the legal documents sub mitted by the customer. Customer should provide no objection certificate (N.O.C) from the registrar office that the property does not have any legal issues. The bank asks civil engineer to value the property of the customer and valuation ce rtificate is obtained from the bank. STEP8: REGISTRATION OF PROPERTY DOCUMENTS: The customer should register the property under the bank name from the registar office of the particular district. Customer should provide the registered docume nts to the bank. STEP9: SIGNING OF AGREEMENTS AND SUBMITTING OF POST DATED CHEQUES In this process the customer should sign the documents provided by the bank and should issues the post dated cheque for the loan amount due collection. STEP10: DISBURSEMENT After signing of the document is over the loan is disbursed to the customer loan account.

CHAPTER 4 IMPLEMENTATION Most of the bank out-sources pre-loan process to loan agencies to reduce the bur den and let the agencies pickup the information from customers and verify it bef ore it is being forwarded to the actual bank for approval of loan. It is an interface which facilitates a customer to apply for a loan from on-line and to track the status from time-to-time along with aiding the loan approval a gency to verify and accept/reject the customer file. Lending Tree is unique in s uch a way, it not only helps the customers but also the loan agency to check the pending, assign it to a departments, complete the formalities and procedures be tween the departments and arrive at decisions to very fact in addition to provi ding a transparency system for everyone. The customer can directly apply for a loan by selecting a bank and loan type fro m the list available. The application is received by loan agency who will have t hree departments- PickUp, Verification and Legal. This system can be controlled by the administrator. First he will look at the application received and allot t he application for a particular employee of pickup department. The employee will go and make a physical verification of the documents at the customers and recei ves the documents necessary for the loan. Then he logs into this system and forw ards the application to the verification department which will verify the wherea bouts of the person, his organization, his salary particulars etc. and then forw ards the application with a status verified. Then application reaches the legal department. The legal department people will verify the builder details and when satisfied sends their report to the administrator. The customer can at any time view the status of his application and can send any messages to the administrator and can get clarifications from him. Thus the len ding tree s/w helps to simplify the loan system along with making the work easy. There are 5 types of users who can get immense benefits from system:

 The customer - seeking the loan and information related to banks and loans The administrator of loan agency who will take track the decision of bank to app rove or disapprove and also controls the overall system functionality The Pickup department users who picks up the details and documents from customer s The verification department user who make a physical verification of the details submitted by the customer The legal department user who verifies the legality of the documents of the buil der and construction. Existing System Here the existing system is a manual one using which the banking agent cant maintain the effectively by sharing across different branches with pr oper security and cant track details easily. It doesnt provide proper co-ordinatio n between different departments of the company. It doesnt allow the customer to c heck the status of his file in proper way which leads customer dis-satisfaction. Doesnt provide faster and effective system Doesnt provide good co-ordination between departments Doesnt provide effective forwarding system to move the file from one level to ano ther Doesnt user-friendly interface Difficulty in generating different reports as per the business requirement Doesnt facilitate the services from online Proposed System: The online automated system with web-based architecture can sup port issues like. This system maintains the information related different departments and stored a t a central DB, which leads easy accessibility and consistency Interest rates of different banks and the other details are also available at th e click of a mouse. Customer can apply for a loan and track his file details from online. The decision process in faster and more consistent Provides good communication between two departments Provides a facility to generate the reports very easily.

Application design Users: The major functionality of this product is divided into two categories. 1. Administrative User Functions. 2. PickUp Dept User Functions. 3. Verification Dept User Functions. 4. Legal Dept User Functions 5. Customer Functions Administrative User Functions: Administrators can perform the following task. Create/Update/Delete New Banks Info View the list of banks

 Pickup

Create/Update/Delete New Departments. View List of Departments Create/Update/Delete Employee Info View the list of Banks Manage loans info related to different banks View the list applications and assign it to pickup dept employees Sending messages to customers View the pending applications Update the status of the application Generate reports Dept User Functions: View the list of applications assigned to him Store the list of documents info that the customer has submitted Forward the application to verification

Verification Dept User Functions: View the list applications forwarded by different employees of PickUp Dept Verify the details Forward applications to Administrator Legal Dept User Functions: Register Customer Info Store the documents info Generate APF no for the builder

CUSTOMER FUNCTIONS: Apply for loan in a bank Check the loan application status Messages

TECHNICAL FEASIBILITY: It is concerned with hardware and software feasibility. In this study, one has t o study that the proposed system can be developed by the existing technology or not.if new technology is required ,what is the likely hood that it can be develo ped. Hence there is a requirement of new hardware and software technology for th e development of proposed system. As per the client requirements the system to b e developed should have a speed response because of fast change information,prog ramming-productivity,reliability,security,scalability,integration and availabili ty. To meet this requirement JSP1.1 as a right choice.

OPERATIONAL FEASIBILITY: It determines whether the proposed system satisfy the user objectives and can be fitted into current system. the methods of processing and presentation are comp letely accepted by the clients because they met the users and client requiremen

ts. The clients have been involved during the preparation of requirements analysis a nd design process. The system can be fitted into current operation and requireme nts little training to both the administrator and the user. Economical feasibility: This includes an evaluation of all incremental costs and benfits expected if the proposed system is implemented, cost-benefit which is to be performed during ec onomical feasibility delineates cost for the project development and weighs them against benefits of the system.

Number of Modules: The system after careful analysis has been identified to present itself with the following modules: 1. Administrator Module: This module is responsible for coordinating the other m odules. It allows the administrator create, update/delete and view the banks inf ormation and it allows admin to create create/update/delete and view different d epartments and it can create logins for different employees in each and every de partment and it can manage loan interest rates of different banks etc. It facili tates to view the new applicant details and assign it to different employees in pickup department initially. It allows the administrator to view customer applic ation finally from verification department and builder details from legal depart ment and then store bank final opinion in this application. It also allows to ge nerate different reports for business analysis. It provides messaging facility f or the administrator for commnication. 2. PickUp Module: This module allows the pickup department to view their applica tions which are assigned to them, collect the documents according to the checkli st and forward it to verification department. 3. Verification Module: This module allows the employees of verification departm ent employees to view the forwarded application from pickup department and check the details as per the documents and forward it to next level. 4. Legal Module: This module allows the employee of legal departments to check v erify legal documents of the builder, verify the check list and then generate th e APF no for the builder. 5. Customer Module: This module allows the customer to view the interest rates o f the banks which we are dealing, apply for a loan, check the status of the loan at any point time and communicate with the administrator if necessary. It allow s messaging facility for communication. DATABASE TIER: The concentration is applied by adopting the Oracle 10g database. Sql is taken a s the standard query language. QUERY LANGUAGE: The overall business rules are designed by using of PL/SQL components. USER TIER: The user tier is interface is developed it is a browser based specific environme nt to have a web based architecture. DATABASE LAYER: The common architecture is designed by concentrated on the standards of servlets and jsp. The database connectivity is established using the java database conne ctivity.

Requirements at the Server-side: Hard Ware requirements: 1. Intel Pentium processor family with a speed of 800 MHz. or above 2. 256 MB RAM 3. 40 GB above hard disk as per the requirements of the organization. Hardware Requirements Pentium IV processes architecture 1. 4 GB RAM. 2. 500 GB Hard Disk Space. 3. Ethernet card. Software specification Windows XP as operating system Apache Tomcat-5.0 web server Oracle 10g as database server Jdk1.5.0 as Java Software

Role of Oracle In Database Oracle 10g is one of the many database services that plug into a client / server model. It works efficiently to manage resources, a database information, among the multiple clients requesting & sending. Structured Query Language (SQL) SQL is an inter-active language used to query the database and access data in da tabase. SQL has the following features: 1. It is a unified language. 2. It is a common language for relational database 3. It is a non-procedural language. Introduction to Oracle ORACLE is a comprehensive operating environment that packs the power of a mainfr ame system into user microcomputer. It provides a set of functional programs tha t user can use as tools to build structures and perform tasks. Because applicati on developed on oracle are completely portable to environment and then move it i nto a multi user platform. Users do not have to be an expert to appreciate ORACL E, but the better user understands the programmer, the more productivity and cre ativity you will use the tools it provides.

What is a Relational Database Management System A relational database management system (RDBMS) can perform a wide array of task s. It acts as a transparent interface between the physical storage and a logical presentation of data. It provides a set of more or less flexible and sophistica tes tools for handling information. User can use this tool to: Define a database Query the database Add, edit and delete data Modify the structure of database Secure data from public access Communicate within the networks Export and Import data Because it gives so much control over data, a relational DBMS can also save as t

he foundation for products that generate application and extract data. A Database Management system may be called fully relational if it supports: 1. Relational Databases and 2. A language that is at least as powerful as the relational algebra The Oracle Environment ORACLE is modular system that consists of the ORACLE database and several functi onal programs. Oracle tools had four kinds of works: Database management Data access and manipulations Programming Connectivity Database Management Tools This is usually (known as RDBMS by ORACLE) includes the core programs of Oracles database management system, the oracle database with its associated tables and v iews, which are stored in the Oracles data dictionary and a group of helpful acti vities. The data dictionary sores information related to every facet of database system. User names, user access rights, table storage information and auditing data for the disaster recovery are all stored in the data dictionary. Data Access and Manipulations All of Oracles data access and manipulation tools are firmly based on ANSI standa rd SQL. In Oracle, the tools that a user will use to access and manipulate data, has well as to design or use applications. Each provides separate point of entr y and unique speech to the Oracle system. SQL*PLUS allows direct access to database with sql forms offer a user-friendly w ay to create and use forms. sql*report writer lets you to creates formatted out put SQL*MENU provides a way for you to integrate your application menus. Oracle Supports Applications Development SQL*FORMS is an excellent user-friendly tool for quickly creating forms. User ca n start with extremely simple default forms or use the full screen painting func tion to create detailed screens for accessing and updating multiple tables and f or controlling and editing the data as is entered. In sql forms, oracle provides unique control devices called triggers to influence user action on a field befo re, during and after date input. Those triggers can execute SQL commands, native SQL FORMS commands, or external procedural language sub routines from with a fo rm. These forms are an advanced fourth-generation tool that wills adapt to your requ irements extremely well. With SQL*MENU you can link all of the forms. Programs a nd queries are easily maintained with the secured menu structures. Oracle Uses t he SQL Command Set With SQL * Menu you can like all forms, programs and queries in easily maintaine d secure structures. Oracle provides a SQL command set that is close to the ANSI standard ORACLE has added extensive report-formatting commands to extend the direct SQL language our capabilities and to delay the needs for alternative report formatting technique s. Statistical, Arithmetic string date/time functions are also included. Oracle has with limitation. The Single-user does not include all of the tools av ailable on the hardware platforms. Also. ORACLE is relatively expensive and more complex than more single user, PC-basis database managers. ORACLE delivers a co mprehensive package that allows for unlimited growth. Oracle Gives You Security and Control ORACLE has several features that ensure th e integrity of user database. I f an interruption occurs in processing; a rollba ck can rest the database to a point before the disaster. If a restore is necessa ry, ORACLE has a roll forward command for creating a database to its most recent save point. Oracle provides users with several functions for serving data. Gran t and Revoke commands limited access to information down to the row and column l evels. Views are valuable future for limiting access to the primary tables in th e database. Oracle Performs Completive Oracle has been constantly improved to perform competitively on the largest data base because RDBMS has been hampered by a repetition for slow access time. ORACL

E had to prove itself continuously and so the unique feature of clustering techn iques for storing data on the disk or another performance gained. Additional fun ctions help control complex database installations. The active data dictionary, which automatically update and logs modification to the database provide documen tation data off loading form the modification process. Finally, ORACLE stores th e DBMS kernel in extended memory, so more main memory is available for the appli cation. Programming Tools One of the most important categories of tools available from oracle is its serie s of programming interface. This precompiled software provides a convenient and easy to use method of incorporating ORACLE SQL statement in high level programmi ng language. Current oracle can interface with COBOL and C. Connective Tools Connectivity tools make oracle available to network and to other database manage rs. SQL * Star is group of products including SQL *NET and SQL * connect that al lows user to use stores on remote machines. A micro based version of oracle call ed network station oracle, user may SQL * NET, instead of oracle RDBMS. SQL * Co nnection does the translating interactively without any modification or translat ions. Fourth Generation Languages The fourth generation languages were created to overcome the problem of third ge neration languages, and these 4GLs are generally referred to as high productivity languages. Objectives of Fourth Generation Languages To speed up the application building process To make the application building process To minimize the debugging problems To generate bug free code from high level of expressions of requirements. To make languages easy to use and understand All these make the end users solve their own problems and pit computers to work. Characteristics of Fourth Generation Languages Simple Query facilities/ language Complex query and updating language Report generators Graphic languages Decision support languages Application generations Specification language Very high level language Parameterized application language Application language Properties of Fourth Generation Languages Easy to use Employees a database management system directly Requires significantly fewer instructions than third generation language Intelligent default assumptions make abort what the use wants possible Easy to understand and maintain Enforces and encourages structured code Subset can learn not by non-technical users in a short period. COST ESTIMATION:

TABLE 4.1 TOTAL PROJECT ESTIMATE.

. TABLE: 4.2 REQUIREMENTS GATHERING.

TABLE: 4.3 REQUIREMENT ANAYLSIS.

TABLE :4.4 DEVELOPMENT AND TESTING.

FIG 4.1.1 LOAN PROCESS

FIG 4.1.2 FLOW PROCESSES.

FIG4.1.3 CUSTOMER AND LOAN DETAILS.

FIG 4.1.4 ADD OR DELETE PAYMENT AND CUSTOMER DETAILS.

FIG 4.1.5 LOGIN PAGE AND BANK INFO

FIG 4.1.6 EMPLOYEE DETAILS

FIG 4.1.7 CUSTOMER ONLINE PROCESS

FIG 4.1.8 LOAN PROCESS IN DETAIL. CHAPTER 5 SUGGESTIONS AND CONCLUSIONS 5.1 SUGGESTIONS For the organization, the implementation of the automation of loan process and other information systems will help the organization to improve the process of t he loan division.if the company implements the entire loan process system it can be able to improve the organization effectiveness in the performance. Usage of java is platform independent and can be installed in various computers and it re duces the redundancy in the system. The bank is following the manual concept of loan process which is time consuming process and more paper works are needed. the customer cannot know the status of the application and it takes more days to know the exact status of the loan pro cess. The above process will help them to sanction a loan in nearly three to fiv e working days. The usage of internet and intranet enables them to communicate m ore quickly and efficiently. The application should be installed separate system and where as the server appl ication is installed on the branch local server where it is connected to the mai n data server where different branch loan status can be retrieved among the diff erent banks. Separate training is required for the employees of the bank which s aves more time in training process.

5.2 CONCLUSIONS To ensure the paperless work process in the organization, the company should imp lement the entire Automation loan process. By implementing this model it will sa ve more time and money of the organization. The effectiveness of the proposed mo del is felt only if the organization provides a proper training to its employees else effectiveness of process management cannot be achieved. The implementation of automation of loan process model will increase a centraliz

ed solution and data storage at a single place.

BIBLIOGRAPHY Websites references 1. www.oracle.com/us/technologies/bpm/overview/index.html 2. http://emeraldinsight.com/journals.htm?issn=1463-7154 3. http://en.wikipedia.org/wiki/Business_Process_Management#BPM_life-cycle BOOKS 1.Jhon Jeston and Johan Nelis-, Business Process Management , Idea Group Publishin g. 2. SQL complete reference by LIVION. 3. Business process management by NARESH VERMA, Global India Publications -01 December 2009 4. MATT CUMBERLIDGE ,Business process Management with JBOSS JBPM,Packt Publishing.