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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 Ade Dwi Putra Ade Surahman Ade Surahman Ade Surahman Ade Yusupa Adhie Thyo Priandika Aditya Lapu Kalua Agung Taroreh, Gabriell Cristiano Agus Wantoro Ahmad Ari Aldino Ahmad Ari Aldino Albani Boutje Johanes Alfonsius, Eric Arinda Rifaini Arshad, Muhammad Waqas Arundaa, Rillya Bernard Bernard, Bernard Budiono, Andiswar Muhamad Catra Adi Pranata Christian Alderi Jeffta Soewoeh Daniel Wolayan, Delon Dedi Darwis Deiby T Salaki DINGSE PANDIANGAN Djoni Hatidja Dodisutarma Lapihu Donaya Pasha Dr. Nelson Nainggolan, M.Si Eko Dedi Listiono Eliasta Ketaren Fenty ariany Goma, Shotya Henry Tampi, Christian Ronaldo Hutasoit, Las D. Idrajat Pangestu Irfan Fauzan Iriansu, Irfah Syagitsyah Islam, Noorul Isnain, Auliya Rahman Izudin Ismail Johanes, Albani Boutje Kadek Tame Jaya Kaplale, Jaidun Ramadhan Khafidlin Triatama Kurnia Noviyanti A. Mantu Lapu Kalua, Aditya Latumakulita, Luther Aleander Lili Andraini Lulud Oktaviani Lusiana Indawa Luther Latumakulita M. Ghufroni An’ars Mahardika Inra Takaendengan Mapalie, Natassya Klarissa Ribka Massie Hihola, Maharani Margareth Melvitasari Tinambunan Mesran, Mesran Muhammad Rahadiyan Bagaskara Nainggolan, Verina Putri Gloria NELSON NAINGGOLAN Ngangi, Stephano Caesar Wenston ningtyas, Kurnia rimadhanti Nofri Khairandi Pamungkas, Nurhuda Budi Pasaribu, A. Ferico Octaviansyah Putra, Ade Dwi Raintung, Stephanie Marceline Rillya Arundaa Ryan Randy Suryono Salaky, Deiby Tineke Setiawansyah Setiawansyah Setiawansyah Setiawansyah Siska Ayu Widiana Soleman, Kurniawan Stephano Caesar Wenston Ngangi SUAIDAH SUAIDAH, SUAIDAH Sulung, Sharon Tabita Sumanto, Sumanto Surahman, Ade Takaendengan, Mahardika Inra Tenda, Edwin Tien Yulianti Turnip, Rama Ijon Tutu, Erlica M.I. Van Gobel, Amelya Ramadhanty Vederico Pitsalitz Sabandar Very Hendra Saputra Very Hendra Saputra Wahyudi, Agung Deni Waqas Arshad, Muhammad Wisard Widsli Kalengkongan Yessi Yunitasari YOHANA TRI UTAMI, YOHANA TRI Yohanes Bery Mokalu Yuni Tri Lestari, Yuni Tri Yuri Rahmanto