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Journal : SAINSMAT

Prediksi Risiko Gagal Bayar Kredit Kepemilikan Rumah dengan Pendekatan Metode Random Forest Ulandari, Kartini Putri; Chamidah, Nur; Kurniawan, Ardi
Sainsmat : Jurnal Ilmiah Ilmu Pengetahuan Alam Vol 13, No 2 (2024): September
Publisher : Fakultas Matematika dan Ilmu Pengetahuan Alam Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35580/sainsmat132630212024

Abstract

Home Ownership Credit (KPR) is a credit facility provided by banks to individual customers who want to buy or repair a house. KPR also has problems with credit payment failures. This research aims to predict the risk of fraud on home ownership loans by applying the Random Forest method. Random Forest (RF) is a method that can increase accuracy results in generating attributes for each node which is done randomly. Based on the analysis results, it was found that the model with the smallest classification error was using mtry 2 and ntree 50 using a combination of training and testing data of 60%:40%. By applying the random forest algorithm, we obtained an accuracy rate of 84.75% with an Area Under the Curve (AUC) value of 84.32%, which is included in the very good classification category.
Co-Authors Abdillah, Adrian Wahyu Abdul Rochim Adriadi, Rekho Alda Fuadiyah Suryono Alfinda Novi Kristanti Alghifary, M Husain Haekal Aminy, Aisyah Anggakusuma, Aurellia Calista Anto Andreawan Arisa Olivia Putri Ariyawan, Jovansha Ayanti Kristantini, Rr Az Zuhro, Muhammad Rosyid Ridho Azizah, Khansa Baskoro , Harjo Boy Firmansyah Brainvendra Widi Dionova Budijono, Gabriella Agnes DENOK SETIAWATI Dewanti, Maria Setya Dita Amelia Dita Amelia, Dita Easyfa Wieldyanisa, Ezha Elly Ana Faizun, Nurin Fajrina, Sofia Fatmawati Fatmawati Fauziah, Nathania Febiyola, Tiara Febri FIRMANSYAH, MOCHAMMAD Fizkadana, Canada Mewa Gunawan, Syifa’ Azizah Putri Herdianto, Muhammad Hendra Hermawan, Mohamad David Ibrahim, Rahmat Agung Idrus Syahzaqi Insania Dewanty, Sanda Jihadi , Hilman Kurniawan Harminsyah Baharuddin Kusuma Wardhana, Feri M. Fariz Fadillah Mardianto M.Riduan Abdillah Mahadesyawardani, Arinda Maharani, Prima Marisa Rifada Meliana, Relin Mufida, Amanda Rosidatul Muhammad Setiyawan Najini, Robby Naura, Sheila Sevira Asteriska Nera Umilia Purwanti, Nera Umilia Niam, Mohamad Faiqun Nilasari, Inas Nur Azizah Nur Chamidah Nuraini Purwandari Nuraini, Risa Nurrohmah, Zidni Ilmatun Pratiwi, Firda Aulia Previan, Anggara Teguh Rahmanita, Tentri Ryan Ramadhani, Azzah Nazhifa Wina Ramadhanti, Aulia Reswara, Aqil Azmi Rimuljo Hendradi Riza Firdaus, Muhammad Sa'idah, Andini Sadikin, Adnan Syawal Adilaha Salsabila, Ailsa Shafa salsabila, safira Santoso, Rifaldi Wahyu Saputra, Kalvin Sari, Ni Wayan Widya Septia Sediono, Sediono Sentosa, Martha Ayu Siagian, Kimberly Maserati Siregar, Naufal Ramadhan Al Akhwal Smith, Khalid Al Hadring Sri Indarti Syahputra, Bimo Okta Syalsabila, Regitha Rianda Syarif, Devi Mufidah Titi Darmi Toha Saifudin Ubaidillah, Aziz Ulandari, Kartini Putri Valida, Hanny Vanisa, Davina Shafa Wahyu Subekti, Cahya Arsyika Widyangga, Pressylia Aluisina Putri Widyawati, Ayu Widyawati, Ayu Zulva Wulan Safitri, Wulan Wulandari, Nuryuliana Yasir Hadiani Yuswanita, Lativa