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All Journal Jurnal Ekonomi Syariah dan Bisnis Journal of Artificial Intelligence and Digital Business Jurnal Pengabdian West Science Jurnal Pengabdian Masyarakat Bangsa Journal of Intelligent Systems and Information Technology Joong-Ki
Siregar, Kiki Hardiansyah
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Journal : Journal of Intelligent Systems and Information Technology

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Implementation of Machine Learning Algorithm for Credit Scoring Prediction in Islamic Microfinance Siregar, Kiki Hardiansyah; Ruslan, Dede; Faried, Annisa Ilmi; Sembiring, Rahmad
Journal of Intelligent Systems and Information Technology Vol. 2 No. 2 (2025): July
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/jisit.v2i2.156

Abstract

Islamic microfinance institutions face complex challenges in data management and customer behavior prediction in the digital era. This study aims to optimize the Gradient Boosting algorithm with pruning techniques to predict customer collectibility. The analysis was conducted on data from 57 customers with 7 attributes from 2022 to 2024. The research methodology includes four stages: data collection, pre-processing, modeling, and evaluation. Pre-processing involves handling missing data, normalization, encoding, and feature selection. Modeling using XGBoost with and without pruning, followed by evaluation using accuracy, precision, recall, F1-score, confusion matrix, and ROC curve metrics. The results show an increase in model performance with pruning: accuracy increased by 0.70%, precision 0.60%, recall 0.80%, and F1-score 0.70%. This technique is effective in reducing overfitting and increasing model generalization. This research provides significant contribution in developing more accurate credit scoring system for Islamic microfinance institutions, improving credit risk management and customer service in Islamic microfinance sector. The findings help Islamic microfinance institutions optimize credit decision-making process and reduce risk in the digital era.
Co-Authors , Rahmad Sembiring Dede Ruslan Efendi, Bakhtiar Faried, Annisa Ilmi Farried, Annisa Ilmi Ginting, Yara Ainy Br Herlin Munthe Mahyarni - Marbun, Novita Royana Ritonga, Nazamuddin Selvia, Dinda Vientiany, Dini