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Helen, Helen
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Journal : JST ( Jurnal Sains Terapan )

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Pemanfaatan Data Smartphone Untuk Prediksi Tingkat Risiko Gagal Bayar Debitur Helen, Helen; Kurniawan, Roy
JST (Jurnal Sains Terapan) Vol 9, No 1 (2023): JST (Jurnal Sains Terapan)
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat, Politeknik Negeri Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32487/jst.v9i1.1603

Abstract

The purpose of this study is to demonstrate that smartphone usage data can be used to make predictions and find the best classification method for Credit Scoring even if the sample dataset is small. The study used a classification algorithm to divide customers into paying and arrears customers using mobile data, and then compared the predicted results with the actual results. There are several related works that are publicly accessible where mobile data has been used for Credit Scoring, but all of them use much larger data samples. Small companies cannot use large data sets as used in previous studies. In this paper the author tries to argue that there is data smartphone has good predictive power even though the dataset is small. The author concludes that with a sample data consisting of smartphone data as many as 5,702 debtors can still predict credit risk well. The best classification method using random forest yielded a result of 0.68 AUC equivalent to a ratio of 0.36Keywords : credit scoring, classification, smartphone data
Co-Authors Achir Yani S. Hamid Afriyadi, Afriyadi Agoes Dariyo Alexios, Constantine Amesz, Mutiara Fransisca Anandita, Rafela Angel Angel Apriani, Elin Ardela, Yara Athya, Safana Zakira Chen, Chin Fong Chendana, Lewis Edbert Christiarini, Renny Dahlia, Debie - Daulay, Muhammad Anggie Januarsyah Erryson, Davin Evi Martha Fahlevi, Renza Gabriela, Angelin Gaol, Mutiara Sani Lumban Gunadi, Alvin Nicolas HASIM PURBA Herman, Sylvia Hutasoit, Ramalia Inaya, Rihani Irmawati Irmawati Khairunnisa, Julia Kudri, Wan Muhamad Kurniati, Echi Kurniawan, Roy Laudyto, Anugerah Prasetyo Lunda, Axel Nathanael Manalu, Yohana Gusvita Marliani, Sari Michelle, Laurencia Muhammad Ridwan Mulatsih, Endang Sri Negara, Zaidan P. Ng, Octarianto Lika Patriot, Evelina Astra Putri, Aneesa Joenice Putri, Regita Elsa Raiis, Daffa Dzaki Ramadani, Naila Ratna Aryani Riwanda, Josephine Kayla Rosnidar Sembiring Rusliwati, Ermina Sardianto Markos Siahaan, Sardianto Markos Sartika, Cut Hayyu Satria, Muhammad Ryo Dwi Scristia, Scristia Sebastian, Bobby Shereen, Shereen Silalahi, Aulia Sonda Sinambela, Fitriana Aidnilla Susilawati, Susilawati Suyono Suyono Syarif, Iif Ahmad Tindaon, Elisabeth Indira Dameria Toar JM Lalisang Umi Kalsum Vincent Vincent, Vincent Viny Christanti M Vivikoh, Vivikoh Wandestarido, Wandestarido Weri Herlin Wicaturatmashudi, Sukma Wijaya, Selvi Elyana Winsen, Winsen Wulan Purnama Sari Yanti, Bely Novi Yasser, Achmad Yuliawati, July Yunitasari, Masrina