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Journal : Journal of Informatics, Electrical and Electronics Engineering

MCDM Using Multi-Attribute Utility Theory and PIPRECIA in Customer Loan Eligibility Recommendations Setiawansyah; Sintaro, Sanriomi; Aldino, Ahmad Ari
Journal of Informatics, Electrical and Electronics Engineering Vol. 3 No. 2 (2023): Desember 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jieee.v3i2.1628

Abstract

Customer loan eligibility recommendations are an important step in the risk and financial assessment process. To ensure business continuity and customer satisfaction, it is important for financial institutions to consider several key factors. Problems in determining lending include various aspects that include credit risk that is difficult to assess appropriately, insufficient information about potential borrowers, potential fraud that can harm lenders. Regardless, financial institutions must ensure sound risk management and comply with applicable regulations and compliance standards to minimize potential losses and maintain fairness in decision-making related to lending. Cooperatives act as institutions that provide access to loans with more flexible terms than conventional financial institutions. The loan application process involves evaluating the customer's eligibility, which includes an analysis of financial condition, credit history, and repayment capacity. The contribution of this study provides a recommendation for savings and loan cooperatives in lending to customers using a decision support system model. The purpose of this study is to evaluate and compare customer loan feasibility using a combination of Multi-Criteria Decision Making (MCDM) methods, namely Multi-Attribute Utility Theory (MAUT) and Pivot Pairwise Relative Criteria Importance Assessment (PIPRECIA). This study aims to determine the ability of both methods to provide a comprehensive understanding of loan feasibility by considering a number of relevant criteria. The results of the customer loan eligibility rating recommend rank 1 with a final value of 0.5127 obtained by Customer K, rank 2 with a final value of 0.432 obtained by Customer I, and rank 3 with a final value of 0.3559 obtained by Customer F.
Co-Authors Abhishek R Mehta Abhishek R Metha Ade Dwi Putra Ade Surahman Adella Widiyanti Adhie Thyo Priandika Adi Sucipto, Adi Aditia Yudhistira Agus Perdana Windarto Agus Wantoro Agustina, Intan Ahdan, Syaiful Ahmad Ari Aldino Ahmad Ari Aldino Ahmad Ari Aldino Ahmad Ari Aldino Ahmadfauzy Alfry Aristo Jansen Sinlae Alita, Debby Amalia, Zahrina Andi Nurkholis Andika, Rio Andri Pramuditya Aniyanti Tafonao An’ars, M. Ghufroni Arfinia Rahma Ari Sulistiyawati Ari Sulistiyawati Ari Sulistiyawati Ariany, Fenty Arie Qur’ania Arief Budiman Arshad, Muhammad Waqas Arsi Hajizah Bustanul Ulum Chandra, Iryanto Damayanti Damayanti Damayanti, Damayanti Daniarti, Yeni Daniel Prasetyo Tarigan Deas Andrian Dwijaya Debby Alita Dedi Darwis Desyanti - Desyanti Dinda Titian Lestari Dodi Siregar Dodi Siregar Donaya Pasha Dwi Satria, M. Najib Dyah Aminatun Dyah Ayu Megawaty Eko Bagus Fahrizqi Erlin Windia Ambarsari Fadila Shely Amalia Fajar Irvansyah Febrianus Gea Ferdian Jerry Mahendra Fernando, Yusra Fikri Hamidy Gibtha Fitri Laxmi Heni Sulistiani Heni Sulistiani Ida Mayanju Pandiangan Imam Ahmad Imam Ahmad Isnain, Auliya Rahman Jumaryadi, Yuwan Junhai Wang Kiki Septiani Kurniawan, Arsy Laurent Nababan Mahesa Raihan Rifqi Mandasari, Berlinda Marzuki, Dwiki Hafizh Megawaty, Dyah Ayu Merlin Puspita Sari Mesran Mesran Mesran, Mesran Mohammad Taufan Asri Zaen Mudar Safi Muhammad Waqas Arshad Muhammad Waqas Arshad Muhaqiqin muhaqiqin Ni Komang Ratih Kumala Nirwana Hendrastuty Nuari, Reflan Nuralia Nuralia Nurman Fadhlullah nurnaningsih, Desi Octaviansyah, A. Ferico Oprasto, Raditya Rimbawan Palupiningsih, Pritasari Parjito Parjito Pasaribu, A. Ferico Octaviansyah Permata, Permata Prastowo, Kukuh Adi Purbha Irwansyah, Irsyad Pustika, Reza Putra, Ade Dwi Putra, Rulyansyah Permata Putri Sukma Dewi Putri Sukma Dewi Qadhli Jafar Adrian Rahmadianti, Fitrah Amalia Rahman, Miftahur Rasli, Roznim Mohamad Reflan Revife Purba Rilo Nur Devija Rini Nuraini Riska Aryanti Rohmat Indra Borman Romadhoni, Randi Roswita Daeli Ruziana binti Mohamad Rasli Ryan Randy Suryono S. Samsugi Sanriomi Sintaro Saputra, Alvin Setiawan, Dandi Setyani, Tria Sinta, Ratna Sari Roma Siti Mahmuda Sitna Hajar Hadad Sofiansyah Fadli Sri Agustiani Br Siburian Subhan Subhan Sufiatul Maryana Sufiatul Maryana Sumanto, Sumanto Surahman, Ade Syaiful Ahdan Trisnawati, Fika Ulum, Faruk Untoro Adji Very Hendra Saputra Very Hendra Saputra Wahyudi, Agung Deni Wang, Junhai Waqas Arshad, Muhammad Yuliani, Asri Yuri Rahmanto