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Dede Ruslan
Universitas Negeri Medan
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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 , Miftah El Fikri , Rahmad Sembiring Ade Firmansyah Tanjung Ade Novalina Adhani, Nadia Ahmad Albar Tanjung Ahmad Hidayat Akmalia, Uswatul Amadeus Sitompul, Gabriel Amalia*, Amalia Andri Zainal Angelia, Tina Angin, Sutejo Perangin Anita Yus Annisa Putri, Dian Annisa Suci Lestari Apira, Nadia Aqiila, Rifka Arif Rahman Arwansyah Arwansyah Ayu Angelina Pasaribu* Bahar, Andi Bakara, Sarah Boangmanalu, Eka Putra Dairi Chairina Rizkianda Choms Gary Ganda Tua Sibarani Dedi Irawan Dian Armanto Diani, Salma Dodi Pramana Dwi Nur Indah Sari, Dwi Nur Indah Ester Ester Faisal Faisal Faisar Ananda Arfa, Faisar Ananda Faried, Annisa Ilmi Fitrahwaty, Fitrahwaty Fitrawaty Fitrawaty, Fitrawaty Gary Ganda Tua Sibarani, Choms Ginting, Melly Andriani Gulo, Ahmad Jumadin Handani, Tia Handayani, Utami Hanif Hulu, M. Rizki Hanu, La Harahap, Misna Doharni Haris Suwondo Haryadi - Haryadi Haryadi Haryani Pratiwi Sitompul Hasibuan, Alawi Parlindungan Hidayah Rambe, Nurul Hombing, Eva Ulina Br Hutabarat, Febri Br Icha Riska Gloria Nainggolan Indra Maipita Indriana Dachi Insani, Kemala Irsad Irsad Irsad Lubis Irsad, Irsad Jabal Ahsan Juanda Maulana Juzilam, Siro Kaiesa Raihatul Muntaza Khairuddin E. Tambunan Khairul Akbar Kustoro Budiarta Linda Sari, Raina Lora Theresia Lubis, Eliza Handayani Lubis, Rizky Amelia Zahrah Lukman, Mena Fadilia Manalu, Maria Elpida Margaretha Sembiring Marpaung, Rita Boima Purnamasari Maulana, Juanda Maya Wulandari Muhammad Yusuf Muntaza, Kaiesa Raihatul Murni Daulay Murni Daulay Musthafa, Iffan Nainggolan*, Lya Novaria Nainggolan, Icha Riska Gloria Nasution, Hardini Pazriati Ndona, Yakobus Niwson Sitanggang Nur Afrianti Nurul Azmi Nurwendari, Weny Paidi Hidayat Paidi Paidi Parangin Angin, Sutejo Pardede, Erni Rugun Maria Parulian, Daniel Dohar Pasaribu, Ayu Angelina Pasaribu, Mangatas Pebri Hastuti Permadi, Mei Yusmansyah Pohan, Hafni Pratiwi Sitompul, Haryani Ragatna Berutu, Saiful Rahmadsyah, Agus Rahmi, Siti Naila Raina Linda Sari Ramdhansyah Ramdhansyah Ramli Nur Ramli Ramli RANI EPITA YK Rina Rina Rini Herliani Rita Handayani Rita Handayani, Rita Rizkianda, Chairina Ronny Sitanggang Saragih, Lenti Susanna Sari Jusnita Br Ginting Sari, Rania Linda SARONOM SILABAN Sembiring, Margaretha Siahaan, Karin Sarah Angelina Siahaan, Sabda Dian Nurani Sibarani, Choms Gary Ganda Tua Sihihab, Muhammad Wahyu Sijabat, Lastri Putri BR Silalahi, Bungaran Simamora, Enjelika Simanihuruk, Darto Paulus Simanjuntak, Mery Kristiani Simanjuntak, Yosua Simanungkalit, Jelita Siregar, Kiki Hardiansyah Siregar, Riski Halomoan Siregar, Tianovida Siro Juzilam Sirojuzilam Hasyim Sitanggang, Niwson Sriadhi Sriadhi Sriwedari, Tuti Suci Frisnoiry Sukardi Sukardi Sumarno . Sundari, Emi Surya Dharma Sutejo Perangin Angin Syafi’i, M. Syafina Rambe, Dhea Nita Syafi’i, M. Tiur Malasari Siregar, Tiur Malasari Ulgari, Siti Vientiany, Dini Wahyu Ario Pratomo Wati, Fidia Weny Nurwendari Weya, Ince Widya Utari Yamani, Raisa Yani, Ayu Syah Fitri Yosua Simanjuntak Zendrato, Feronika Zuhri, Muhammad Ilham