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Afnita Afnita
Universitas Negeri Padang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Nursing Physics Public Health Social Sciences Other

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Journal : Building of Informatics, Technology and Science

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Sistem Pendukung Keputusan Pemberian Kredit pada Koperasi Simpan Pinjam Menggunakan Algoritma Simple Additive Weighting (SAW) dengan Pembobotan Entropy Afnita, Afnita; Masrizal, Masrizal; Irmayani, Deci
Building of Informatics, Technology and Science (BITS) Vol 7 No 1 (2025): June (2025)
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/bits.v7i1.7385

Abstract

The credit granting process in savings and loan cooperatives often faces obstacles in terms of objectivity and efficiency of assessment of prospective debtors. Manual and subjective assessments have the potential to result in inaccurate decisions and increase the risk of problematic credit. This study aims to develop a Decision Support System (DSS) in credit granting by implementing the Simple Additive Weighting (SAW) algorithm combined with the Entropy weighting method. The SAW method was chosen because of its ability to calculate aggregate values ​​against a number of criteria, while the Entropy method is used to determine the weight of the criteria objectively based on data variations. The criteria used include monthly income, credit history, number of dependents, length of membership, and history of installment ratio to income. The results of the study showed that the system was able to systematically sort 15 alternative customers. Based on the final calculation results, the customer who obtained the highest score of 0.862 and was ranked first as the best candidate for credit recipients. These results indicate that the SAW method with Entropy weighting can provide objective recommendations and help make more appropriate decisions in granting credit. The main contribution of this research is to provide a technology-based tool that can improve accuracy, transparency, and efficiency in the creditworthiness evaluation process in savings and loan cooperatives.
Co-Authors Ahmad Husein, Ahmad Alika, Fiana Amara Alysha Zahra Amir Amril Amril Amir Amril Amril Anani, Sabiqah Sri Anasti, Huriyah Padhilah Anggun Cantika Aprilia Aprilia, Aprilia Asriyanti Asriyanti Assadiyah, Herfina Atmazaki Atmazaki Ayu Aminah Azahri, Putri Salsabila Bima Mhd Ghaluh Bukit, Idemina Br Citra, Diana Dadi Satria Dedi Saputra Dela Syafira Dewi, Silvia Mardila Dhea Septiana Dian Maulida Syafri Dola, Hega Dwi Dian Doni Wahyudin Efrianto Efrianto Efrianto Efrianto, Efrianto Ella Wulandari Ella, Ella Ellya Ratna Elvi Rahmi Emidar Emidar ERIKA WULANDARI Erizal Gani Etri, Gia Juli Fajri, Meidilla Islamiati Falmitha Gusdilla Fanno, Bimma Geo Farel Olva Zuve Farel Olva Zuve, Farel Olva Febriyanti Febriyanti Fepi Mariani Fitri Pricilia Putri Fitri, Margian Mulya Gusti, Nila Gustina Erlianti Hafrison, Mohammad Hanniyah Harris Effendi Thahar Harris Effendi Thahar Harris Effendi Thahar Hasibuan, Siti Apsona hastuti, Sri Oktari Hayati, Radiatil Hayatul Khairat Huriyah Padhilah Anasti Husnalia, Hidayatul Husni Diana Sangraini Indriani Hasibuan Insyani Mai Tari Irfani Basri Irmayani, Deci Istigfara, Titi Jasid, Adhara Juli Etri, Gia Juvrizal Juvrizal Khairatunnisa Khairatunnisa Khaulah Izzahti Kurnia Sari, Indah Kurnia, Eriska Larasati Larasati Lisa Apriyenti Mamat, Simah Marissa Fitri Maulidiani, Nia Mayang Sari Hasibuan Mery Nurfa Dilla Monica, Lidya Monika Monika Monika, Monika Musfiroh Wajeeismai Nadia Putri Naneri, Neri Eva Navia, Yola Netri Netri Ngusman Manaf Nofalia, Lisa Noprilia Noprilia Novela Otri Novia Aurora Novrianti Novrianti Nurizzati Nurizzati Nurminto, Toto Nurrahmah, Faiza Nursaid Oktiana, Putri Kartika Olva Zuve, Farel Pramita, Candra Puspita Dewi, Puspita Putri, Dea Denisa Putri, Irda Eka R.,, Syahrul Raga Suganda Pratama Rahman, Annisa Ainur Ramadan, Syahrul Rani Oktavia Reski Rahmayati Resti Fauzi Reti Dasril Retna Yeni Riadaturrahmi Riadaturrahmi Ridha Hasnul Ulya Ririn Rizana Rizal Effendi, Rizal Rosita Hasibuan Salsa Billa Sari, Desi Atika Sesti Dwi Angraeni Silfia, Mega Simanjuntak, Nensy Megawati Simanjuntak, Nurmina Sindy Putri Rizona Siska Novelia Siti Ainim Liusti Siti Hardianti, Siti SRI RAHAYU Sri Rahayu Subur Maroha Susilawati, Wiwit Syahrul R, Syahrul Syahrul R. Syahrul Ramadhan Syifa Fauzia Tiara Tri Dewi Titi Istigfara Tressyalina Tressyalina Ummi Kultsum Utami, Wanda Andika Vera Yudi Aditama Vikratulhasanah Vikratulhasanah Vivi Yunita Widyastuti, Indri Williya Yel Emiza WINA WIDIA Winda Putri Rejeki Wiwit Handayati Yantama, Sulendari Putri Yasnur Asri Yesi Septianingsih Yulia Novita Yulianti Rasyid Yuridha, Merli Zahara, Dina Zikri, Atika