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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Akuntansi dan Pajak Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam JCRS (Journal of Community Research and Service) Jurnal Abdi Ilmu Jurnal Pendidikan dan Konseling Computer Science and Information Technologies Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) INVEST : Jurnal Inovasi Bisnis dan Akuntansi IJORER : International Journal of Recent Educational Research Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Proceeding International Seminar of Islamic Studies Jurnal Bina Bangsa Ekonomika EKONOMIKA45 Proceeding of The International Conference on Economics and Business Proceedings of The International Conference on Business and Economics Journal of Economics and Social Sciences Jurnal Manajemen Dan Akuntansi Medan Jurnal Pengabdian West Science Journal of Management, Economic, and Accounting Jurnal Ilmiah Ekonomi dan Manajemen International Journal of Sustainable Applied Sciences (IJSAS) Journal of Intelligent Systems and Information Technology International Journal of Economics, Business and Innovation Research International Journal of Management, Economic and Accounting Green Economics: International Journal of Islamic and Economic Education Proceedings of The International Conference on Computer Science, Engineering, Social Sciences, and Multidisciplinary Studies Global Economics: International Journal of Economic, Social and Development Sciences
, Rahmad Sembiring
UNIVERSITAS PEMBANGUNAN PANCA BUDI
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Journal : Journal of Intelligent Systems and Information Technology

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Implementation of Machine Learning Algorithm for Credit Scoring Prediction in Islamic Microfinance Siregar, Kiki Hardiansyah; Ruslan, Dede; Faried, Annisa Ilmi; Sembiring, Rahmad
Journal of Intelligent Systems and Information Technology Vol. 2 No. 2 (2025): July
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/jisit.v2i2.156

Abstract

Islamic microfinance institutions face complex challenges in data management and customer behavior prediction in the digital era. This study aims to optimize the Gradient Boosting algorithm with pruning techniques to predict customer collectibility. The analysis was conducted on data from 57 customers with 7 attributes from 2022 to 2024. The research methodology includes four stages: data collection, pre-processing, modeling, and evaluation. Pre-processing involves handling missing data, normalization, encoding, and feature selection. Modeling using XGBoost with and without pruning, followed by evaluation using accuracy, precision, recall, F1-score, confusion matrix, and ROC curve metrics. The results show an increase in model performance with pruning: accuracy increased by 0.70%, precision 0.60%, recall 0.80%, and F1-score 0.70%. This technique is effective in reducing overfitting and increasing model generalization. This research provides significant contribution in developing more accurate credit scoring system for Islamic microfinance institutions, improving credit risk management and customer service in Islamic microfinance sector. The findings help Islamic microfinance institutions optimize credit decision-making process and reduce risk in the digital era.
Co-Authors Abdelhakeem Khalid Ahmed, Azam Ahmad Fadlan Ahmad Fadlan Anggia Ramadhan Anggia Ramadhan Anggia Ramadhan Ayuni Nurafni Bella Meilysa Dede Ruslan Dian Septiana Sari Dian Septiana Sari Ela Rizky Wardhani Fadlan, Ahmad Fajriani, Rima Faried, Annisa Faried, Annisa Ilmi Fasya , Nadya Hartama, Dedy Hasanah, Nadila Huswatun Herman Mawengkang Ilmi Faried, Annisa Indrayani, Ilham Dandi Ira Gretti Hutagalung Ira Gretti Hutagalung Kimpah, Jeniboy Lubis, Novika Sari Meilysa, Bella Muhammad Yusuf Muhammad Zarlis, Muhammad Neng Sri Wahyuni, Neng Sri Nisa Ulzannah Nisa Ulzannah Nor Harlinda Binti Harun Nor Harlinda Binti Harun Novita Sari Manik, Rika Onny Medaline Rafianti, Fitri Ramadhan, Anggia Ramses Ginting Rika Nuraisyah Roro Rian Agustin Saimara A.M Sebayang Saimara Sebayang Saputra, M. Ilham Sari, Maya Macia Siregar, Kiki Hardiansyah Siti Sara SRI RAHAYU Sumaya sumaya Syah Putera Adrianto Ulzannah, Nisa Uswatun Hasanah USWATUN HASANAH Uswatun Hasanah Uswatun Hasanah Uswatun Hasanah Uswatun Uswatun Uswatun, Uswatun Wardhani, Neng Sri Wasila Zuliyansah, Zuliyansah