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Classification of Customer Credit Risk Levels Using the Random Forest Method: A Case Study on Microfinance Institutions Damayanti, Fera; Arief Budiman; Siti Sundari; Theodora MV Nainggolan
Journal of Computer Science, Artificial Intelligence and Communications Vol 1 No 2 (2024): November 2024
Publisher : Raskha Media Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64803/jocsaic.v1i2.20

Abstract

Credit risk classification plays a crucial role in supporting financial institutions, especially microfinance institutions, in assessing the ability of customers to repay loans. This study aims to develop a credit risk classification model using the Random Forest method, which is known for its accuracy and robustness in handling classification problems. The research uses a dataset obtained from a microfinance institution consisting of various customer attributes such as income, age, loan amount, repayment history, and employment status. The dataset is preprocessed and divided into training and testing sets to evaluate model performance. The Random Forest algorithm is then applied to build a classification model that categorizes customers into three credit risk levels: low, medium, and high. The results show that the Random Forest model achieves a high level of accuracy, with a classification precision of 89%, recall of 87%, and F1-score of 88%. These findings indicate that Random Forest is an effective technique for credit risk classification and can be implemented by microfinance institutions to support better decision-making in credit approval processes. This research also highlights the potential of machine learning techniques in enhancing credit risk management and minimizing non-performing loans.
ANALISA KELAYAKAN RENCANA PEMBELANJAAN MODAL (CAPEX) PT UNITED TRACTORS TBK (UNTR) DALAM RANGKA MENGANTISIPASI PROYEKSI PERTUMBUHAN BISNIS PERUSAHAAN Perdana, Adhitya; Arief Budiman
Edunomic : Jurnal Ilmiah Pendidikan Ekonomi Fakultas Keguruan dan Ilmu Pendidikan Vol 11 No 2 (2023): EDISI SEPTEMBER
Publisher : FKIP Unswagati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33603/ejpe.v11i2.13

Abstract

The purpose of this study is to determine the performance of PT United Tractors Tbk through cash flow analysis that can be used as a decision-making tool by company and investors. Research approach to be used is quantitative descriptive, data used for analysis is secondary data, which is cash flow reports collected from the website of PT United Tractors Tbk. Data were analyzed using 8 cash flow ratios, namely: ration of operating cash flow, cash flow coverage ratio, interest coverage ratio of the cash, the cash coverage ratio of current liabilities, capital expenditure ratio, the ratio of total debt, the ration of net cash flow and free cash flow adequacy ratio. The results of the analysis indicate that the company's financial performance from 2017 to 2021 ratio generated tends to be deprived, where it seen from 5 ratios are on low average
The Food Mafia as Food Cartels under Competition Law:An Analysis of KPPU Decisions in the Staple Food Sector Tanudjaja; Arief Budiman; Golkar Pangarso Rahardjo Winarsadi
YURISDIKSI : Jurnal Wacana Hukum dan Sains Vol. 21 No. 3 (2025): December In progress
Publisher : Faculty of Law, Merdeka University Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55173/yurisdiksi.v21i3.338

Abstract

The term food mafia is a popular expression that refers to the control of supply chains and prices of essential food commodities by a coordinated group of business actors. From the perspective of competition law in Indonesia, this practice closely resembles the structure and behavior of a cartel, which is clearly prohibited under Law Number 5 of 1999. This article examines the extent to which food mafia practices can be classified as food cartels within the legal framework of competition law, and how the Business Competition Supervisory Commission (KPPU) has proven and addressed these practices in its decisions. Using a normative juridical method with a legal and case study approach, this research focuses on two major decisions: Number 24 KPPU I 2009 on the cooking oil cartel and Number 05 KPPU I 2013 on garlic importation. The analysis shows that food mafia practices can be legally framed as cartels when evidence of agreement or coordinated conduct among business actors is established. However, complex regulations and limited evidentiary tools pose challenges for law enforcement. The study concludes that the cartel framework is important for explaining the food mafia phenomenon, but its effectiveness depends on the strength of economic and legal proof built by KPPU, as well as more coherent regulations to support consumer protection and food security.
Peningkatan Kompetensi dan Produktivitas Karyawan 86 Production melalui Program Pelatihan DreamCamp 2025 Muhammad Muzakky Abd Harits; Arief Budiman
POTENSI: Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Vol. 1 No. 3: September 2025
Publisher : Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract: The Event Organizer (EO) industry is experiencing very rapid development, and human resource capabilities are a determining factor in competition. 86 Production, a company in the EO sector, realized the need to improve employee capabilities and launched the DreamCamp training program. This program includes socialization of event flow and performance techniques, kick off of the company's target program, and team building. The implementation of DreamCamp, which is a training for employees and freel ancers of 86 Production, took place at the Kusuma Agrowisata Resort & Convention Hotel, Batu, East Java. This program was attended by 50 participants and the 86 Production internship team as the organizer. The results of this program showed high enthusiasm and participation from the participants, as evidenced by the activeness of the participants during the material session, pretest-posttest which showed increased understanding, and appreciation for the best participants. This program also includes a kick off program in the form of company targets for next year and team building to improve team collaboration. However, there were obstacles in the form of increasing the duration of the material presentation which had an impact on the next agenda. Overall, DreamCamp was considered successful in increasing knowledge and collaboration potential. However, further evaluation is needed to improve time management and operational readiness. Abstrak: Industri Event Organizer (EO) telah mengalami pengembangan yang cepat, dan kemampuan sumber daya manusia adalah faktor penting dalam persaingan. 86 Production, sebuah perusahaan dibidang EO, telah mengidentifikasi kebutuhan untuk meningkatkan kemampuan karyawan dan meluncurkan program pelatihan DreamCamp. Program ini mencakup sosialisasi flow event dan teknis kinerja, kick off program target perusahaan dan team building. Pelaksanaan DreamCamp yang berupa pelatihan karyawan dan pekerja lepas 86 Production berada di Kusuma Agrowisata Resort & Convention Hotel, Batu, Jawa Timur. Program ini dihadiri oleh 50 peserta dan tim magang 86 Production sebagai penyelenggara. Hasil program menunjukkan antusiasme dan partisipasi tinggi peserta, yang dibuktikan dengan keaktifan peserta selama sesi materi, pretest-posttest yang mengindikasikan peningkatan pemahaman, dan apresiasi peserta terbaik. Program ini juga mencakup kick off program berupa tujuan perusahaan untuk tahun depan dan team building untuk meningkatkan kolaborasi tim. Meskipun demikian, terdapat kendala berupa bertambah panjangnya waktu pemaparan materi yang mempengaruhi pada agenda berikutnya. Secara keseluruhan, DreamCamp dianggap berhasil meningkatkan pengetahuan dan potensi kolaborasi. Namun, evaluasi lebih lanjut diperlukan untuk meningkatkan manajemen waktu dan kesiapan operasional.