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All Journal International Journal of Electrical and Computer Engineering IAES International Journal of Artificial Intelligence (IJ-AI) TELKOMNIKA (Telecommunication Computing Electronics and Control) Bulletin of Electrical Engineering and Informatics CESS (Journal of Computer Engineering, System and Science) Jurnal Teknologi Informasi dan Komunikasi InfoTekJar : Jurnal Nasional Informatika dan Teknologi Jaringan Sinkron : Jurnal dan Penelitian Teknik Informatika JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING JURNAL MEDIA INFORMATIKA BUDIDARMA Abdimas Talenta : Jurnal Pengabdian Kepada Masyarakat Juripol (Jurnal Institusi Politeknik Ganesha Medan) Jurnal Teknovasi : Jurnal Teknik dan Inovasi Mesin Otomotif, Komputer, Industri dan Elektronika MATRIK : Jurnal Manajemen, Teknik Informatika, dan Rekayasa Komputer Query : Jurnal Sistem Informasi Zero : Jurnal Sains, Matematika, dan Terapan JURIKOM (Jurnal Riset Komputer) Data Science: Journal of Computing and Applied Informatics Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal JOURNAL OF SCIENCE AND SOCIAL RESEARCH ComTech: Computer, Mathematics and Engineering Applications Building of Informatics, Technology and Science Jurnal Mantik Indonesian Journal of Education and Mathematical Science International Journal of Advances in Data and Information Systems Randwick International of Social Science Journal Jurnal Scientia Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Applied Data Sciences TECHSI - Jurnal Teknik Informatika Prisma Sains: Jurnal Pengkajian Ilmu dan Pembelajaran Matematika dan IPA IKIP Mataram Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Proceeding of International Conference on Information Science and Technology Innovation (ICoSTEC) The Indonesian Journal of Computer Science Journal of Digital Market and Digital Currency
Efendi, Syahril
Department Of Computer Science And Information Technology, University Of North Sumatra, Indonesia
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Journal : ComTech: Computer, Mathematics and Engineering Applications

 1 
Data-Driven Approach for Credit Risk Analysis Using C4.5 Algorithm Muhammad Iqbal; Syahril Efendi
ComTech: Computer, Mathematics and Engineering Applications Vol. 14 No. 1 (2023): ComTech
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/comtech.v14i1.8243

Abstract

Credit risk is bad credit, resulting in bank losses due to non-receipt of disbursed funds and unacceptable interest income. However, credit services still have to be done to achieve profit. The absence of an approach that can assist in making policies to reduce credit risk makes the risk opportunities even more significant. So, data processing techniques are needed that produce information to be used as the basis for policies in triggering credit risk with data mining. The research presented an application of data mining as a credit risk approach considering the ability of data mining techniques to extract data into useful information with the C4.5 algorithm. The research used a sample of 30 data banks with 6 factors (credit growth, net interest margin, type of bank, capital ratio, company size, and bank compliance level). Credit risk was evaluated by making a decision tree and a RapidMiner test application. The results show that credit growth is the main factor causing credit risk, followed by bank compliance level, net interest margin, and capital ratio. Based on the results obtained, the C4.5 algorithm can be used in analyzing credit risk with results that are easy to understand and can be used as useful information for banks.
Co-Authors Abdulbasah Kamil, Anton Abi Rafdi Ahmad Rozy Ahmadi, Fauzan Nur Al Khowarizmi Aminuyati Andysah Putera Utama Siahaan Arjon Turnip Asrizal Asrizal Badawi, Afif Br Bangun, Desy Milbina Br Ginting, Dewi Sartika Budi K. Hutasuhut Chairil Umri Dadang Priyanto Devi Maiya Sari Nasution Dewi Sartika Br Ginting Erna Budhiarti Erna Budhiarti Nababan Erna Budhiarti Nababan Fahmi Fahmi Fajar Muhajir Fatma Sari Hutagalung Fauzan Nurahmadi Fauzi Amri Fuzy Yustika Manik Fuzy Yustika Manik, Fuzy Yustika Ginting, Dewi Sartika Br Halim Maulana Hamzani, Fitri Rezky Harahap, Lailan Hariyati Lubis, Hariyati Harumy, T. Henny Febriana Hasibuan, Nisma Novita Hasugian , Paska Marto Hengki Tamando Sihotang Hengki Tamando Sihotang Herianto, Tulus Joseph Herimanto Herimanto Herman Mawengkang herman mawengkang Hotmaida Lestari Siregar Ichsanuddin Hakim Ignazio Ahmad Pasadana Iin Parlina Imanuel Zega Indah Purnama Sari Indra Edy Syahputra Irzal Sofyan Ivan Jaya Jaya, Ivan Khowarizmi, Al- Lailan Harahap Lidya Rosnita lili Tanti Lubis, Fahrurrozi M Safii M. Isa Indrawan Mahyuddin K. M Nasution Manurung, Rodiyah Aini Mardiansyah, Heru Marischa Elveny, Marischa Maya Silvi Lydia Mesran, Mesran Mochamad Wahyudi Mohammad Andri Budiman Muhammad Iqbal Muhammad Iqbal Muhammad Riki Atsauri Muhammad Rusdi dan Afritha Amelia - Muhammad Zarlis Muhammad Zarlis Muhammad Zarlis Muhammad Zarlis Muhammad Zarlis Muhammad Zarlis Muhammad Zarlis, Muhammad Muliawan Firdaus Mulkan Azhari Naemah Mubarakah Nainggolan, Pauzi Ibrahim Nugroho Syahputra Oktaviana Bangun Pahala Sirait Pauzi Ibrahim Nainggolan Poltak Sihombing Poltak Sihombing Poltak Sihombing Poltak Sihombing Poltak Sihombing Poltak Sihombing Prayoga, Nanda Dimas Purwanto Purwanto Rahmad Syah Rika Permata Sari Siregar Rizki Suwanda Saib Suwilo Santoso, Zikri Akmal Saraswati Yoga Andriyani Sarif, Muhammad Irfan Sawaluddin Sawaluddin Sembiring, Rahmat W Seniman Seniman Seniman Seniman, Seniman Siagian, Deliyana Simamora, Windi Saputri Sipayung, Sardo Pardingotan Solly Aryza Sri Dwi Hastuti Sri Melvani Hardi Suherman Suherman Suherman, Suherman Sutarman Sutarman Sutarman Sutarman Syah, Rahmad B. Y. Syahputra, Indra Edy Syahputra, Muhammad Romi Syahraini, Syahraini Syahriol Sitorus T. Henny Febriana Harumy Taufiqurrahman Taufiqurrahman Tulus Joseph Herianto Tulus Tulus Tulus Tulus Vinsensia, Desi Watts, Michael J. Weber, Gerhard Wilhelm Yeni Absah yeni absah Yudhistira Yudhistira Yudhistira Zakarias Situmorang Zuhri Ramadhan Zulkarnain Lubis