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All Journal Techno.Com: Jurnal Teknologi Informasi Sistemasi: Jurnal Sistem Informasi Sinkron : Jurnal dan Penelitian Teknik Informatika JURNAL MEDIA INFORMATIKA BUDIDARMA Syntax Literate: Jurnal Ilmiah Indonesia CogITo Smart Journal SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jurnal Sisfokom (Sistem Informasi dan Komputer) Technomedia Journal JURNAL PENDIDIKAN TAMBUSAI Almana : Jurnal Manajemen dan Bisnis Aptisi Transactions on Technopreneurship (ATT) Journal of Applied Engineering and Technological Science (JAETS) Jurnal Ilmiah Manajemen Kesatuan Indonesian Journal of Data and Science Jurnal Teknik Informatika (JUTIF) Jurnal Pendidikan dan Teknologi Indonesia Abditeknika - Jurnal Pengabdian Kepada Masyarakat Kresna: Jurnal Riset dan Pengabdian Masyarakat Journal of Integrated and Advanced Engineering (JIAE) Jurnal Sisfotek Global Prosiding Seminar Nasional Sisfotek (Sistem Informasi dan Teknologi Informasi) Telematika MKOM Advances In Social Humanities Research Artinara
Samidi Samidi
Magister Ilmu Komputer, Fakultas Teknologi Informasi, Universitas Budi Luhur, Indonesia
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering 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 Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Business Analytics for Credit Risk Management in Rural Banks Using the CRISP-DM Methodology (Case Study: PT BPR Jabar Perseroda) Ayip Muhdiatullah; Samidi; Cecep Taofiqurrochman
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.630

Abstract

Credit risk remains a critical concern for rural banks because lending quality directly affects financial stability and institutional sustainability. Although banking databases contain valuable debtor information, credit assessments often continue to rely on administrative verification and subjective judgment. This study aimed to identify credit risk characteristics, compare the performance of Random Forest, Gradient Boosted Tree, and Random Tree algorithms, and formulate data-driven risk management strategies for PT BPR Jabar Perseroda. A quantitative descriptive research design was employed using the Cross-Industry Standard Process for Data Mining (CRISP-DM) framework, integrating descriptive, predictive, and prescriptive analytics. The sample consisted of 1,015 debtor records selected through stratified sampling from a population of 10,150 records. Model performance was evaluated using accuracy, precision, and recall metrics, while correlation analysis was conducted to identify variables associated with credit risk status. Payment delinquency history showed the strongest relationship with risk status (r = 0.653), whereas collateral demonstrated the weakest relationship (r = -0.047). The Random Forest algorithm achieved the best predictive performance, with 99.00% accuracy, 100.00% precision, and 97.83% recall. The findings indicated that repayment behavior provided more meaningful risk information than static administrative attributes. Therefore, integrating Random Forest-based predictions with the 5C credit assessment principles could strengthen objective credit evaluation, decision-support systems, early warning mechanisms, and proactive credit risk management.
Co-Authors - Hariyanto Aceng Rohmana Adinda Krida Wicaksono Ahmad Wijaya Kusuma Ajeng Yuniar Ikhsani Akbar, Ipal Almira Myiesha Anandha Fitriani Andharu, Dika Andra Setiadi Andy Rio Handoko Ario Bambang Lesmana Ayip Muhdiatullah Azlina Ahmad Baehaqi Bagus Priambodo Cecep Taofiqurrochman Danar Darmawan Deska, Amat Devit Setiono Dijerja, Gahara Dika Andharu Eka W, Samuel Yusach Endang Saputra Fachruroji, Muhamad Fadly Fadly Fatmawati, Devy Fauzie Nurrakhman Febriantho Febriantho Fried Sinlae Gregorius Mikael Gufron, Dian Muhammad Gushelmi Indra Nugraha Inge Virdyna Iqbal, Aldy Mercyano Iqbal, Moh Himam Iskandar, Daniel Isnen Hadi Al Ghozali Jumaryadi, Yuwan Khaerani A, Afifah Lesmana, Ario Bambang Mohammad Shiddiq Antarressa Mohammad Syafrullah Monica Dwijayanti Muhammad Glenn Yunifer Muhammad Razin Haidar Karim Muhammad Royani Nazori AZ Nugraha Abdullah, Indra Purwanto Purwanto PUTRA, RICKY WIDYANANDA Rabiah Abdul Kadir Ramadhon, Muhammad Ramdhani Hidayat, Ramdhani Ratna Kusumawardani Ratna Kusumawardani, Ratna Richard Riri Fajriah Ronal Yulyanto Suladi Ruci Meiyanti Ruwirohi, Jan Everhard Safitri, Rahayu Saputro, Wahyu Ragil Septyo Wibowo, Wahyu Adi Setiadi, Indra Tresna Shofinurdin Shofinurdin Soepriadi, Raden Sofian Lusa Suladi, Ronal Yulyanto Syahdinullah S, Sutan Syaiful Anwar Tisa Armalina Syarif Triana Anggraini Triana Anggraini Tutik Sri Susilowati Vasthu Imaniar Ivanoti Virmansyah, Yusuf Widi Santoso Widyarto, Fajar Wilsen Grivin Mokodaser Wirda Hilwa Yuliana Aisyah