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Journal : Jurnal Informatika

Implementation of DSS for the Selection of MSME Financing Based on Financial Performance and Growth Potential Eka Septian, Willy; Sari, Maya Permata; Adam, Rinaldi; Ibrahim, Muhammad; Maharani, Silvia; Magdalena, Lena
Jurnal Informatika Vol. 13 No. 1 (2026): April
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/ji.v13i1.11151

Abstract

Many businesses have difficulty choosing a funding scheme that suits their financial condition and their company's growth potential. The Analytical Hierarchy Process (AHP) method and the Order of Preference by Similarity to Ideal Solution (TOPSIS) technique are combined to create the right Decision Support System (DSS). This research collected data through surveys and interviews with experts in 30 relevant agency-assisted MSMEs, but the data that will be displayed in this journal are as many as 5 MSME data that we have selected. Then, using AHP to determine how important financial criteria and business prospects are, and using the TOPSIS method to compare alternative financing such as people's business loans, fintech loans, and venture capital. Research outputs include a prototype of a system that can generate scientific publications, policy inputs, and objective financing advice for financial institutions. It is hoped that with this DSS, the financing selection process will be more measurable and accurate, and will support the sustainable growth of MSMEs. This resualt shows that  the Analytical Hierarchy Process (AHP) method  is able to produce a consistent criterion weight with  a Consistency Ratio (CR) value of < 0.1, where business duration (0.22) and income (0.17) are the most dominant factors in assessing the feasibility of MSME financing. Furthermore, the TOPSIS method  was used to produce an objective MSME ranking, with Krh Kreasikus Production obtaining the highest preference value (Ci = 0.6911) and Nainay Salted Egg Producer obtaining the lowest value (Ci = 0.2259), demonstrating the ability of this method in distinguishing at-risk MSMEs and MSMEs with better growth potential. Overall,  the AHP-TOPSIS-based Decision Support System model has proven to be effective in helping financial institutions evaluate MSMEs in a more systematic, transparent, and data-based manner  compared to conventional methods.
Co-Authors Abdul Rahmat Abdullah, Mariani Adam, Rinaldi Afnani Rosyida Ahlisan, Muzakkir Ahma, Caliesta Widi Akbar, Miftahul Hambali Ali, Akbar Alifiah M, Raden Roro Fadhillah AM, Erfendi Amaliyah, Jihadatun Anandita, Septian Ragil Andi Muhammad Yusuf, Andi Muhammad Andin Andiyasari Anggareni, Kumala Fitria Aries Musnandar Aries, Mulhin Arifiyanti, Fitria Aswidy Wijaya Cipta Ayu Purnama, Andi Oktami Dewi Artha Azis, Nurzaman Aziz, Nurzaman B, Mesra Bangash, Saqib Hussain Bayhaki, Imam Charlos, Leo Corina D. S. Riantoputra Dana, Usman Darwis, Tri Wijaya Daud, Azlina Della Fadhilatunisa Dianingsih, Nila Djailani, Puspita Djamada, Mayawi Djibu, Rusdin Draman, Samsul Eka Septian, Willy Em Sutrisna Ergen, Burhan Fadinah, Siti Rosyidah Fatimah Zahro Fatmawati Fatmawati Fauzi, Ahmad Hasan Fikriadi, Ahmad Bagas Firman Yasa Utama Fitri, Fauziyah Gani, Nevaldi Hafidhah, Nor Jinan Hariri, Mohammad Rafiq Herlina Herlina HERU SISWANTO Hudyah Astuti Sudirman Hussain, Amjad Icam Sutisna Indradewa, Rhian Irwan Irwan Irwansyah Irwansyah Isa, Abd. Hamid kantu, nur indriyani Karnain, Nurain Komarudin Achmad lahay, rahmat Lena Magdalena, Lena Li, Fan-Dan Lia Amelia Linna Ismawati, Linna Lose, Risna Luthfi Ardhian, Nur M. Miftach Fakhri Machrus Ali Maharani, Raden Roro Fadhillah Alifiah Maharani, Silvia Mahendri, Wisnu Mahindra, Haidil Mamiek Nur Utami Marliyanti, Resti Marsha Anindita, Marsha Maulana, Abdul Md. Isa, Muhammad Lokman Misran Rahman Moh. Ihsan Husnan Mohamad Zubaidi Muhammad Andi Muhammad Firdaus Muhammad Husen, Muhammad Muhlasin Muhlasin Muktashim Billah Musthofiyah, Ayu Nasir, Jumadi Noor Jannah, Noor Nuraini, Aisyah Afifah Nurhikmah Nurhikmah Nurhikmah Padang, Welly Liku Paruda, Varenzi Tristantino Pathuddin, Hikmawati Pengestu, Bagus Pramesti, Salsabila Ayu Purnama, Andi Oktami Dewi Artha Ayu Putri, Akmalia Lutfiaturrosyida Agung Rahmah, Ghina Maulida Rahmasari, Fenny Ramadhan, Dannel Ramadhani, Ahmadi Irsyad Rapi Us. Djuko Rizkytama, Gunung Ridho Rizvi, Fharisa Nabila Rochmadina Suci Bestari Rosidah Rosidah Rustam Efendi Samsul, Putriyani Sari, Dwintya Sari, Maya Permata Setiyowati, Endah Shabrina, Ahda Shahadan, Siti Zuhaidah Sinring, Abdullah Siti Nurhasanah Sitti Radhiah Soeharto Soeharto Suparman Suparman Tabange, Siskawati Tando, Arjal Tang, Wen-Wei Taqiyuddin, Akhmad Tiara, Amanda Tobing, Clara Ignatia Tungkagi, Donald Qomaidiasyah Vani, StevaniHabibie Vidiyanto, Vidiyanto Villarico, Johndex Emanuel S. Wahyudi, Hadi Wei, Chen-Yang Yakob Napu Zahirah, Novri Andini Zakiya, Nathan Luth Zhaki, M. Nur Zulkarnain Anu