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DESIGN AND
IMPLEMENTATION OF A COMPUTER BASED INFORMATION SYSTEM FOR MORTGAGE FINANCING
ABSTRACT
This project is aimed
at designing and implementing a computer based information system for mortgage
financing for Harvard trust Finance Enugu.
Specifically the
study covered the activities of mortgage institution in mobilizing savings and
giving the larger part of it to customers who wish to own thee own houses of
Harvard Trust Finance Enugu. In a bid to successfully carry out the study, the
researcher studied the existing system with a view to finding out its
shortcomings. This attempt enabled the researcher to design and implement a
computer based information system that mortgage financing that would, if well
implemented help to highly up light the mortgage operation of the Harvard Trust
Finance Enugu.
TABLE OF CONSTANT
Title page
Abstract
Table of content
CHAPTER
ONE
1.0
Introduction
1.1
Historical background of the study
1.2
Statement of problem
1.3
Aims and objectives of the study
1.4
Significance of the study
1.5
Scope of the study
1.6
Limitation
1.7
Definition of terms
CHAPTER
TWO
Literature
review
CHAPTER
THREE
3.0
Analysis of the existing system
3.1
Method of data collection
3.2
Objective of the existing system
3.3
Problems of the existing system
3.4
Input, process and output analysis
3.5
Information flow chart
3.6
The justification for the new system
CHAPTER FOUR
4.0
Planning and designing
4.1
Input specification
4.2
Output specification
4.3
Software specification
CHAPTER
FIVE
5.0
Implementation
5.1
Program design
5.2
Program flowchart
5.3
Sources program
5.4
Test run
CHAPTER
SIX
6.0
Documentation
CHAPTER
SEVEN
7.0 conclusion
and recommendation
7.1
Conclusion
7.2
Recommendation
Reference
CHAPTER
ONE
1.0
INTRODUCTION
1.1
AN OVERVIEW OF THE STUDY.
The aim of a mortgage finance system is to provide the funds, which homebuyers
need to purchase their homes. This simple description has spawned a broad ambry
of institutional arrangements, ranging from contractual saving schemes as
conceptualized under the National Housing policy vis-Ã -vis the National Housing
fund (NHF) scheme, to depository institutions specializing in mortgage finance
as we now have in primary mortgage institution (PMI), to the issuance, sale and
trading of mortgage backed securities (MBS) the ultimate aim of the housing
finance system. All of these arrangements are now being orated or evolved in
this country with the same purpose in mind to channel funds from savers to
borrowers in the question of private sector participation in the housing
delivery system was opened up by the National Housing policy. The National a
Housing Policy (NHP) was launched in 1991, mainly to create a conducive
environment for a sustainable housing delivery system as well as to encourage
private entrepreneurial imitative in housing development. The policy opens up a
partnership between government and private sector in working towards an
effective housing delivery system.
The emergence of privately owned PMTs followed the promulgation of the mortgage
institutions decree No 53 of 1989, which provided the legal framework for the
establishment of such institution. PMTs are expected to fulfill a purpose: to
provide a safe and convenient means of saving for the general public, and to a
limited intent for various corporate and unincorporated bodies and to use those
finance to make loans on mortgages primary to those who wish to buy or build
their own homes PMTs have been in the Nigeria financial system for almost a
decade.
Housing finance which is the cent replace of the policy document, has a two
tier arrangement with the federal Mortgage bank of Nigeria (FMBN) as the a
pex-mortgage institution on one hand and the multiplication of primary mortgage
institution (PMI) on the other hand. FNBN is charged with the responsibility of
managing and administering the National Housing Fund (NHF), among others. The
NHF has the objective of ensuring continuous flow of financial resources into
housing development.
The FMBN was established by decree No 7 of 1977. The main function of the
FMBN includes provision of the banking and advisory services and research
activities pertaining to housing decree 3 of JAN 1991 empowered FMBN to license
and regulate mortgage institution in Nigeria.
1.2
STATEMENTS OF PROBLEMS
The problems, which necessitated the
study in the Harvard Trust Finance Enugu, are as follows:
1.
Slowness in accomplishing task generally
2.
The frequent collapse of mortgage banks, in the country through fraudulent malpractices
by the staff.
3.
The incessant delays in the payment and processing of customer fund in theand
processing of customer fund in the Harvard trust finance Enugu.
1.3
AIMS AND OBJECTIVE OF THE STUDY
The major aim of this
study is to design and implement a computer based information for system for
mortgage financing that will accomplish the task of quick retrieval of
information on a mortgage’s records in Harvard trust finance. This also
involves knowing what operations are carried out and how they are done.
1.4
SIGNIFICANCE OF THE STUDY
The study will ensure that adequate security is provided to customer’s funds
and collateral (ther original document). It will also increase the revenue that
will be accruable to the mortgage institution in the effect of the computer
base.
Information system for mortgage financing it will also make it possible for
faster seriates to be rendered to customers.
Finally, the work will be a very useful adding to the existing research work
carried out in the area of computer based information system for mortgage
financing.
1.5
SCOPE OF THE STUDY
This research work is limited to the
design and implementation of a computer, based information system for mortgage
financing for the Harvard trust fiancé.
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