International Journal of Scientific Research and Engineering Development

Financial management plays a crucial role in the efficient operation of lending organizations, local financer and small-scale financial institutions. Traditional loan management systems often rely on manual record keeping, which can lead to errors, data redundancy, security issues, and difficulties in tracking repayments. To address these challenges, this paper presents LOCO (Loan Collection and Financial Management System), a mobile-based application designed to automate and simplify loan management processes. The proposed system is developed using Flutter and Dart for the frontend, while Supabase is utilized for backend services, user authentication, and database management. The application supports three user roles: Admin, Manager, and Borrower. The system provides functionalities such as borrower registration, KYC verification, loan application submission, loan approval and management, repayment tracking, interest calculation, and payment processing. Such capabilities facilitate optimized loan administration, mitigate data inaccuracies, and refine the overarching financial management lifecycle. Operational agility across disparate financial products is realized through the deployment of multi-tier repayment frequencies (including daily, weekly, and monthly options), thereby accommodating varied credit schemes. Additionally, the integration of the Razor pay gateway ensures transactional integrity and seamless electronic payments. In addition, the system facilitates PDF report generation for maintaining financial records, transaction histories, and documentation purposes. These attributes significantly foster operational transparency, precision, and efficiency within credit management workflows. Empirical testing validates that the engineered system remains highly stable and adaptive to contemporary financial protocols. The introduced model thus delivers a dependable paradigm for automated lending ecosystems ensures a secure, scalable, and user-centric platform tailored for institutional financial management. the requirements of modern loan management operations. The proposed solution offers a scalable, secure, and user friendly platform for managing financial activities in lending organizations.

R.Ramakrishnan, S.Thiyagu,"A Mobile-Based Financial Management System for Loan Management Using Flutter and Supabase" International Journal of Scientific Research and Engineering Development, V9(3): Page(1790-1797) May-June 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.