Sistem Informasi Prediksi Penilaian Kredit Perbankan Menggunakan Algoritma K-Nearest Neighbor Classification

Authors

  • I Wayan Supriana Universitas Dhyana Pura
  • Made Agung Raharja Universitas Dhyana Pura
  • Putu Wida Gunawan Universitas Dhyana Pura

DOI:

https://doi.org/10.23887/jstundiksha.v8i1.16470

Keywords:

Banking, Credit, Debtor, K-Nearest Neighbor Classification

Abstract

The existence of banking institutions is very important for people's lives, especially used for raise funds in the form of deposits, demand deposits, savings and others. Besides that, it is an institution banks can also play a role as channeling funds in the form of credit to the public and business entities that need it. Problems in credit disbursement cause bad loans from customers, causing losses to the bank. Credit assessment is one of the important stages that must be carried out by the bank before credit is given to the credit applicant. The credit appraisal process belongs to a semi-structured problem that is quite complex, therefore it is necessary to develop a system to predict the feasibility of applying for credit. The system built in this study uses the K-Nearest Neighbor Classification algorithm by assessing prospective borrowers from the training data used. Based on the research that has been done, the K-Nearest Neighbor Classification algorithm can be modeled in a bank credit assessment. System testing results show accuracy of calculation accuracy of 81,82%.

Author Biographies

I Wayan Supriana, Universitas Dhyana Pura

Program Studi Teknik Informatika Universitas Dhyana Pura

Made Agung Raharja, Universitas Dhyana Pura

Program Studi Teknik Informatika Universitas Dhyana Pura

Putu Wida Gunawan, Universitas Dhyana Pura

Program Studi Teknik Informatika Universitas Dhyana Pura

References

Aryawan, I Wayan, 2008, Rancangan Sistem Pendukung Keputusan Penilaian Kelayakan Proposal Kredit, Skripis, Universitas Udayana.

Jayanti, R.D. “Aplikasi Metode K-Nearest Neighbor Dan Analisa Diskriminan Untuk Analisa Resiko Kredit Pada Koperasi Simpan Pinjam Di Kopinkra Sumber Rejeki”. Prosiding Seminar Nasional Aplikasi Sains dan Teknologi (SNAST). Yogyakarta. 2014.

Kasmir. 2004. “Manajemen Perbankan”. Cetakan Ke-5. PT. Raja Grafindo Persada. Jakarta

Leidiyana. “Penerapan Algoritma K-Nearest Neighbor Untuk Penentuan Resiko Kredit Kepemilikan Kendaraan Bemotor”. Jurnal Penelitian Ilmu Komputer, System Embedded & Logic, Vol : 1. STMIK Nusa Mandiri. 2010.

Menarianti, I. 2015. “Klasifikasi Data Mining Dalam Menentukan Pemberian Kredit Bagi Nasabah Koperasi” Jurnal Ilmiah Teknosains, Vol.1, No1, 2015

Mustakin. Oktaviani, G. 2016. “Algoritma K-Nearest Neighbor Classification Sebagai Sistem Prediksi Predikat Prestasi Mahasiswa”. Jurnal Sains, Teknologi dan Industri, Vol.13, No.2 2016.

Nugraha, D.W, Putri, R.R.M dan Wihandika, R.C, 2017. “Penerapan Fuzzy K-Nearest Neighbor (FK-NN) Dalam Menentukan Status Gizi Balita”. Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer, Vol.1, No.9, 2017

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Published

2019-07-21

How to Cite

Supriana, I. W., Raharja, M. A., & Gunawan, P. W. (2019). Sistem Informasi Prediksi Penilaian Kredit Perbankan Menggunakan Algoritma K-Nearest Neighbor Classification. JST (Jurnal Sains Dan Teknologi), 8(1), 44–54. https://doi.org/10.23887/jstundiksha.v8i1.16470

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Articles