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Sidiq Purnomo, Agus
Universitas Mercu Buana Yogyakarta
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Journal : Bulletin of Computer Science Research

 1 
Sistem Pendukung Keputusan Penentuan Kelayakan Pemberian Kredit UMKM Menggunakan Metode AHP dan Weighted Product Putra, Andhita Firman Syah; Purnomo, A Sidiq
Bulletin of Computer Science Research Vol. 5 No. 5 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/bulletincsr.v5i5.646

Abstract

Microfinance institutions often conduct manual evaluations of creditworthiness for UMKM, resulting in subjective and inconsistent decisions. This study aims to develop a decision support system for determining creditworthiness for UMKM using the Analytical Hierarchy Process (AHP) and Weighted Product (WP) methods. AHP is used to evaluate the relative importance of criteria through pairwise comparisons. This process generates weights for each criterion with a consistency matrix as a validation tool. The results of the weighting are then used in the WP method, which calculates the final score for each prospective borrower by multiplying the performance value against the criteria and weights. The case study in this research is at the Koperasi Simpan Pinjam (KSP) Makmur Jaya. The results obtained show that the system is capable of producing objective alternative rankings, where prospective borrowers with the highest VI values are considered the most eligible to receive credit. After testing, the system also demonstrated consistency with manual calculations. Overall, this study shows that the combination of the Analytical Hierarchy Process (AHP) and Weighted Product (WP) can be effectively applied in multi-criteria decision-making in the microfinance sector.
Co-Authors Ade Fitriadin Agung Prinato Alfian Romadhon Ali, Ficky Septian Andres Anief Fauzan Rozi Anief Fauzan Rozi Anief Fauzan Rozi Anief Fauzan Rozi Ari Cahyono Arif Wiji Setiyanto Arifi Zulaika Aris Susanto Bagas Irvan Bagaskara Barbo Bero Berita Estu Widodo Bima Pangestu, Danang Bowo Nugroho Dany Suktiawan Irman Fiano Dede Widiyanto, Dede Widiyanto Dewi, Mellania Metta Disantis Dwiki Kurniawan, Yohanes Edwin Rafiza Pradana Nasution Elisabeth Helsi Nggebu Emi Agustina Erlangga Samudera Kencana Fandi Azis Fauzan Rozi, Anief Fauzyah, Luthfia Feby Kristina Butar Butar Fendy Nugraha, Arbiana Fernando Bayu Andika Gaputra, Raygo Gita Prastianingrum Hafiid Alfayed, Muhammed Herdiansyah, Moch Rizal Hukom, Jessy Indah Susilawati Ismunu, R. Sumarwan Jery Mechael Pentagon Lumbantoruan Jevi Ariyanti Kadek Ayu Puspita Dewi Kali, Steven Kamto, Kevin Arsan Letsoin, Amrul Louis Fernando Sinaga M. Ridwan Nur Septian Maharani, Zelvia Olga Malela, Prabu Aji Maria Mitro Wid Eko, Antonius Marsela, Dwi Mokoagow, Mohamad Akbar Mutaqin Akbar Muthia Gidriani Maelan Na'imah, Alifatun Nadafi'ah Hari Fitri Natalia Anjela Sagat Nisriina Nuur Hasanah Octy Kartika Dewi Putra, Andhita Firman Syah Putri, Novita Anggraini Rahmandhita Fikri Sannawira Rahmandhita Fikri Sannawira, Rahmandhita Fikri Ridi Ferdiana Rika Handayani Robi Adi Saputra Rosmeri Maramba Santoso, Muhammad Iqbal Rafid Sembiring, Kristian Eykman Stefanus M Patanduk Subardjo, Ratna Yunita Setiyani Supatman Supatman Susanto, Handy Tri Astuti Prihatin Venola Onibala, Injili Wahyu A, Shella Widatin Mayasari Wijaya, Andi Atmaja Kusuma Wijayanti, Berlian Rezki Wulan Sari Kaslumin Yasser Yazid Mohammad Yuliana Rahayaan Yulisa Safitri