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All Journal Majalah Ilmiah Teknologi Elektro
Anak Agung Gede Oka Kessawa Adnyana
Indonesian Institute of Business and Technology Indonesia, Bali-Indonesia
Computer Science & IT Control & Systems Engineering Electrical & Electronics Engineering Energy

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Penerapan Metode Simple Additive Weighting (SAW) untuk Mendukung Pengambilan Keputusan Pemberian Kredit kepada Nasabah Adi Panca Saputra Iskandar; Anak Agung Gede Oka Kessawa Adnyana; Lely Meilina
Majalah Ilmiah Teknologi Elektro Vol 25 No 1 (2026): (Januari - Juni) Majalah Ilmiah Teknologi Elektro
Publisher : Study Program of Magister Electrical Engineering

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MITE.2026.v25.01.p09

Abstract

CodeArtisan Auto Finance is a rural savings and loan institution whose creditworthiness assessment process is still performed manually through document verification, field surveys, and subjective evaluation. This process requires one to five days and increases the risk of human error. This study applies the Simple Additive Weighting (SAW) method within a Decision Support System (DSS) to improve the speed and accuracy of credit decision-making. The proposed system evaluates prospective customers based on ten criteria: collateral, loan term, domicile status, employment status, social obligations, relationship with savings products, loan amount, expenditure-to-income ratio, planned installment-to-income ratio, and credit history. Evaluation on 37 historical customer records achieved an accuracy of 81.08%, precision of 90.32%, and recall of 87.50%, demonstrating that the SAW method provides objective and consistent creditworthiness recommendations. Therefore, the implementation of the SAW method can support faster, more transparent, and reliable credit decision-making at CodeArtisan Auto Finance.
Co-Authors Adi Panca Saputra Iskandar Lely Meilina