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Dede Ruslan
Universitas Negeri Medan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Public Health Social Sciences Other

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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 Ahmad Hidayat Akmalia, Uswatul Amadeus Sitompul, Gabriel Andri Zainal Angelia, Tina Angin, Sutejo Perangin Anita Yus ANNISA HANDAYANI Annisa Suci Lestari Apira, Nadia Aqiila, Rifka Arif Rahman Ayu Angelina Pasaribu* Bahar, Andi Bakara, Sarah Boangmanalu, Eka Putra Dairi Chairina Rizkianda Choms Gary Ganda Tua Sibarani Dedi Irawan Diani, Salma Dodi Pramana Dwi Nur Indah Sari, Dwi Nur Indah Eka Putra Dairi Boangmanalu Ester Ester Faisal Faisal Faisar Ananda Arfa, Faisar Ananda Faried, Annisa Ilmi Fitrahwaty, Fitrahwaty Ginting, Melly Andriani Gulo, Ahmad Jumadin Handani, Tia Handayani, Utami Hanif Hulu, M. Rizki Hanu, La Harahap, Misna Doharni Haris Suwondo Harry Irawan 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, Irsad Jabal Ahsan Juanda Maulana Kaiesa Raihatul Muntaza Khairul Akbar Kustoro Budiarta Lenti Susanna Saragih Linda Sari, Raina Lora Theresia Lubis, Eliza Handayani Lubis, Rizky Amelia Zahrah M. Fauzan Manalu, Maria Elpida Margaretha Sembiring Marpaung, Rita Boima Purnamasari Maulana, Juanda Maya Wulandari Muhammad Hakim Sitompul Muhammad Yusuf Muntaza, Kaiesa Raihatul Murni Daulay Musthafa, Iffan Nainggolan, Icha Riska Gloria Ndona, Yakobus Niwson Sitanggang Nur Afrianti Nurul Azmi Paidi Hidayat Paidi Paidi Parangin Angin, Sutejo Parulian, Daniel Dohar Pasaribu, Ayu Angelina Pasaribu, Mangatas Pebri Hastuti Permadi, Mei Yusmansyah Pohan, Hafni Ragatna Berutu, Saiful Rahmadana, Muhammad Fitri Rahmadsyah, Agus Rahmi, Siti Naila Raina Linda Sari Ramdhansyah Ramdhansyah Ramli Nur Ramli Ramli RANI EPITA YK Rina Rina Rinaldi Rinaldi Rini Herliani Rita Handayani Ronny Sitanggang Sabda Dian Nurani Siahaan Saragih, Lenti Susanna Sari Jusnita Br Ginting Saronom Silaban SARONOM SILABAN Sembiring, Margaretha Septian, Yan Siahaan, Karin Sarah Angelina Siahaan, Sabda Dian Nurani Siahaan, Tegar Efrahim Gilbert 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 Siti Ulgari Sriadhi Sriadhi Sriwedari, Tuti Sumarno . Sundari, Emi Surya Dharma Sutejo Perangin Angin Syafi’i, M. Syafina Rambe, Dhea Nita Syafi’i, M. T. Rizkan Polem Tambunan, Khairuddin E. Ulgari, Siti Vientiany, Dini Wahyu Ario Pratomo Wati, Fidia Weny Nurwendari Weya, Ince Yani, Ayu Syah Fitri Yosua Simanjuntak Zendrato, Feronika Zuhri, Muhammad Ilham