<![CDATA[The management of goods credit at Koperasi Pemasaran Sinergi Kreasi Mandiri still encounters difficulties, particularly in recording transactions and keeping related data connected. This study focuses on developing a web-based application to manage member data, goods and stock, credit applications, verification and approval, installment calculation, payment records, and reports. Data were obtained through observation, structured interviews, and internal documentation. The system was developed using the Waterfall model, with UML and a relational database used in the design. The application provides separate access for cooperative administrators, credit officers, and members. Functional testing shows that the main features work according to the planned process, including input validation, automatic installment calculation, and payment history recording. The application therefore provides a more centralized way to manage credit data and makes the submission, approval, payment monitoring, and reporting processes more organized.]]>
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