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Journal : JITK (Jurnal Ilmu Pengetahuan dan Komputer)

IMPLEMENTATION MEAN IMPUTATION AND OUTLIER DETECTION FOR LOAN PREDICTION USING THE RANDOM FOREST ALGORITHM Nimatul Mamuriyah; Richard; Haeruddin
JITK (Jurnal Ilmu Pengetahuan dan Teknologi Komputer) Vol. 10 No. 4 (2025): JITK Issue May 2025
Publisher : LPPM Nusa Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33480/jitk.v10i4.6437

Abstract

Loans and credit are among the most in-demand banking products, making accurate loan prediction systems essential for minimizing bank credit risks and boosting profitability. This study proposed a loan prediction model using the Random Forest algorithm, with mean imputation and 3 outlier detection (Boxplot, Z-score, and Interquartile Range (IQR)) as data pre-processing methods. Using Lending Club loan data from 2014-2021 (466,285 records, split 70/30 for training/testing), model performance was assessed using accuracy, recall, and F1 Score. The proposed approach achieved a 95% prediction accuracy, outperforming previous models at 83%. The best results were obtained using mean imputation with IQR-based outlier detection. However, the determination of the mean imputation mean can be a limitation of this study. This highlights the importance of thorough pre-processing in enhancing prediction accuracy. The study underscores the role of machine learning and financial technology (fintech) in informing credit decisions and support incorporating imputation and outlier handling as standard steps in financial modeling pipeline
Co-Authors A. Rizki Amelia AA Sudharmawan, AA Abdul Nashar Abdul Rahman Abdul Rahman Sakka Abraham Afrianti S. Lamuru Agus Riyadi Ahmad Arief Ahmad, Mirna Ahri, Reza Aril Aigistina, Aigistina Aji DS, Fanteri AKHMAD Akhyar, Ramaulvi Muhammad Alexsandro Alfina Baharuddin Alkamalia, Wa Ode Alma Amelia, Andi Rizki Amir, Fitriah Amir, Haeril Andi Agussalim Andi Darmawansyah Andi Muh. Taqiyuddin BN Andi Multazam Andi Nurlinda Andi Rizki Amelia Andi Rustandi Andi Tenri Agung Andira Nurqalbi Anggraini Ryzky Diah Anin, Tince Yunarwati Annisa Anwar Aqilah Nurulwaqhia Arif Rahman Arifin, Nurbaeti Arni Rizqiani Rusydi Asriati Auliasari, Putrysuci Awaluddin AYU LESTARI Azainil Azainil Bariun , La Ode Baso, Budiman Besse Wahyuni Cahyana Mandasari Chairun Annisa Aryanti Darmansyah Darsikin Dayu Triana Paramita Deswalita, Aisyah Fitri Devi Dwi Pebriani Dewi Rizki Ramadhaningrum Dhea Maharani Ella Andayanie Elvis Endah Wahyunuing Asih Eril, Eril Fachrin, Suharni a. Fadly Fajrin, Kurniawati Fanteri Aji Dharma Suparno Fatmah Afrianty Gobel Fatmawati Fatmawati Fitri Suci Rahmadani Fitriah Amir Fratiwi, A. Fira Friska Amelia Arale Gautama Gautama Wijaya Gunawan Gunawan, Inra H. Abdul Hafid Hamini Hamzah, Wardiah Hardianto, Ulvab Harpiana Rahman Hartia Ningsih, Sri Mutmainna Haryaka, Usfandi Hasaruddin Hasiah, Khusnul Hendra Winata, Hendra Heru Wijayanto Aripradono Hidayani, Sri Husnul Hotimah Husnul Hotimah, Husnul I Komang Werdhiana Ibrahim Ibrahim Ahmad Ibrahim Ahmad Ibrahim Ibrahim Idhar Darlis Idris, Fairus Prihatin Idris, Musfira Ika Fatmawati S Ikhram Hardi S Ilham Azis Imhar AR. Nailu Iqbal AR Iru, Wa Ode Sarmine Irwanti Said Jamali, Hisnol Januar Fery Irawan Jumiyati, Sri Junainah Juraid Abdul Latief Jusalim Sammak Juweni Kukuh Prakoso, Kukuh Kurnia Cantra Kurniawati Fajrin Kusmiati, Tati Kusumaningrat La Harimu La Harimu Laili Komariyah, Laili Levia, Yayang Liskha Ayuningrum Madinatul Munawwara Mahirullah Mandasari, Eka Cahyana Maria Yosephine Simbolon Mariati Marliyah Marungkil Pasaribu Masriadi Maulidiyah, Arum Memed Khumaedi Miftakhul Ulum, Miftakhul Mirna Ahmad Mohammad Jamhari Muh. Multazam Muhammad Ayyub Amin MUhammad Dakhri Muhammad Ikhtiar Muhammad Jarnawi Muhammad Nur Faiz Muhammad Ramli Muhammad Said, Nurhidayat Muhammad Taufik Mulyana, Wa Ode MUNIRA Nada Shofa Najwa, Siti Halimah Nashar , Abdul Nawir, Burhanuddin Nihan Kristiyani Nimatul Mamuriyah Noorbaya Siti Nur Aziza Ramadani Nur Helminah Nur Iman Rudinah, Mahesa Nurbaeti Nurbaety Nurfadillah Nurfardiansyah Burhanuddin Nurgahayu Nurhayati Nurhikma Nurjannah Nurlansi Nurmiati Muchlis Pairunan, Azizah S. Paramita, Ielda Paridah Pebriani, Devi Dwi Pertiwi Desi Putri Samri Qhumairah, Alvira Rafia Rahmatullah Rahmayanti Rukmana, Sri Rahmi Rahmi Rasyidin Abdullah Ratnaningtiyas, Deltha Wati Isti Reza Aril Ahri Richard Riky Ristanto Gari Sabariman Sahib, Muzdalipah Salijah, Erni Samsidar Jamaluddin Samsualam, Samsualam Saputra, Galih Yudha Sari, Anisa Permata Satkar Umara Septiyanti SITI AMINAH Siti Aminah Siti Nurjannah Sitti Fatimah Sitti Halijah Sitti Patimah Sofya A. Rasyid Solly Aryza Sopiyan St. Jawiah Stefanus Eko Prasetyo Stefanus Eko Prasetyoi Sudarman, Dirman Sudirman Sukma Aji supahar Sutrisnaniati, Eli Syahrir, Romeo Syaiful Bachri Syamsuriwal Taufik Tahir Theodora, Novieta Christina Toding, Sukanto Unggul Wahyono Utari Retno Sulistyo Rini Vivin Elfitriyah H.S WA ODE ASRI YANTI Wa Ode Mulyana Wa Ode Samine Iru Wahyuni, Andi Indri Wahyuni, Ni Gusti Ayu Putu Eka Sri Werdhina, I Komang Widiayati Widyatmike Gede Mulawarman WINDA Yahya, Masrur Yulianto, Andik Yuliaty Yunita, Elisa Yusring Sanusi Baso, Yusring Sanusi Yusuf, Rezky Aulia Zuhdan Kun Prasetyo