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Journal : Compiler

Implementation of the Decission Tree Algorithm to Determine Credit Worthiness Abdussomad, Abdussomad; Kurniawan, Ilham; Wibowo, Agung
Compiler Vol 12, No 2 (2023): November
Publisher : Institut Teknologi Dirgantara Adisutjipto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28989/compiler.v12i2.1911

Abstract

Credit is a loan from a bank that needs to be repaid with interest. In practice, problematic credit or bad credit often occurs due to less thorough credit analysis in the credit granting process, or from bad customers. This research aims to predict creditworthiness using the Decision Tree Classification Algorithm and find a solution for determining it. This research uses the CRISP-DM (Cross-Industry Standard Process for Data Mining) method. This research method tests the effects of using the decision tree, Support Vector Machine, and Naïve Bayes model with the Decision Tree Classification Algorithm. The decision tree classification algorithm accurately analyzed problem loans and non-problem debtors at 93.49%. The decision tree algorithm test results are better than the support vector machine by 3.45%, and naïve bayes by 13.03%. The results of our study were also 4.16% better than the previous study. This research has also implemented the selected model in the form of website application deployment.
Co-Authors Abdul Rohman Abdullah . Abdullah Abdullah Abdussomad, Abdussomad Adolf Pieter Lontoh, Adolf Pieter Agrelia, Priska Agung Wibowo Ahmad Tamrin Sikumbang Aji, Handaru Baskara Akbar, Muhammad Rifqi Alaka, Anta Amin, Muhammad Safiul Anam, Rijal Khoirul Annas, Firdaus Ari, Muhammad ARIS HARTAMAN Bachtiar Bachtiar Bachtiar Budianingsih, Endang Danial Hilmi Duwi Cahya Putri Buani Fakhrurrozi Fakhrurrozi, Fakhrurrozi Fauziah, Ai Samrotul Fikri Maulana, Fikri Habibburrahman, Habibburrahman Habiburrahman Habiburrahman Habiburrahman, Habiburrahman Hamzah, Zainul Hanafi, Hilmi Haruri, Rikko Harli Hendra, Ayu Herniwanti Herniwanti Husin, Lauditta Soraya Intan Islamia Irmawati Irmawati Khoir, Mulyanto Abdul Komalasari, Tari LAKSMI AMBARSARI Lukmanul Hakim Lusi Nurhayati Mahesa, Salwa Marwa, Marwa Miftachul Munir, Moh. Mirna Mirna Moh. Miftachul Munir Moh. Syaiful Amri Mohammad Thoriq Wahyudi Muhaiban Muhaiban Muhamad Ari Mujiburrohman Mujiburrohman Mukhlis Mukhlis Mukhlis Muktarruddin Muldi Yuhendri Muntazhimah, Muntazhimah Nafisah, Zuhrufatun Nining Rahaningsih Nining Suryani Nur Farida Nurmawansa, Nurmawansa Nurul Fadlilah Prihatini, Ella Syafputri Priska Agrelia Rahman, Habibur Rahmat Hidayat Rahmawati, Andira Rasyidin, Yusyafrida Rizal Amegia Saputra Rosa Kamelia Saridewi, Atika Setyanto Tri Wahyudi Sirait, Ganda Sumiran, Sumiran Syauqiah, Zulfa Tati Suprapti Taufiqurrahman Taufiqurrahman Taufiqurrohman, Essa Salman Tigana, Adra Ulfah, Syafika Widayanti, Eka Widya Apriliah, Widya Yusrialis Yusrialis