Abstract
Nowadays an information and communication technologies (ICTs) have become a necessity in everyday life. However, not all technological advances are in place and help the problems that occur in rural area such as the lack of ease in making payments between cooperatives in the rural area especially if any people in one cooperatives want to pay using their saving to another person who has a saving in different cooperatives, the difficulty of small medium enterprises in obtaining loans due to unavailability of data, the unavailability of core banking system for cooperatives that can regulate their financial transactions. Traditional methods are ineffective because of possible data incompatibility, a security issues, data integration issues, and the unavailability of data storage of local program. This paper will provide a technological concept that can help solve transactional problems in the rural area community, APEX System, an integration of management information concept.
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