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All Journal Jurnal Transformatika CESS (Journal of Computer Engineering, System and Science) Jurnal Ilmiah Sinus Journal of Information Systems and Informatics Bulletin of Computer Science Research Adopsi Teknologi dan Sistem Informasi Tematik The Indonesian Journal of Computer Science
Ahmad Rifa’i
Fakultas Teknologi Informasi dan Komunikasi, Universitas Semarang
Computer Science & IT Electrical & Electronics Engineering Engineering Social Sciences

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Journal : Jurnal Transformatika

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Credit Risk Modeling Based on Geographical Location: A Case Study of Savings and Loan Cooperatives Widodo, Edi Widodo,; Rifai, Ahmad; Buana, Pratama Angga
Jurnal Transformatika Vol. 22 No. 1 (2024): July 2024
Publisher : Jurusan Teknologi Informasi Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/transformatika.v22i1.9710

Abstract

The aim of this study is to examine how geographical location affects the credit risk faced by savings and loan cooperatives. Using a quantitative approach, this research will develop a credit risk model that considers geographical variables,measured by the Human Development Index (HDI). The initial stage of the research involves classifying the credit dataset according to the categoriesdetermined by Bank Indonesia. The data cleansing process resulted in attributes such as credit ceiling, HDI, and credit category. Analysis was conducted using Chi-Square, and Logistic Regression methods. The Chi-Square analysis results showed  statistically significant relationship between credit ceiling, HDI, and credit category (p-value < 0.05). The Logistic Regression models demonstrated high accuracy in classifying the data, with Logistic Regression achieving 89.71%. In conclusion, credit ceiling and HDI have a significant influence on credit category, with the Logistic Regression model data classification. This study provides valuableinsights into how credit ceiling and HDI influence credit categories, which can be used to make better decisions related to public policy, developmentplanning, and social interventions
Co-Authors Astrid Novita Putri, Astrid Badroe Zaman Dinar Anggit Wicaksono Eka Putri Rachmawati Eka Putri Rachmawati Galet Guntoro Setiaji Gunata, Krida Pandu Hafiq Ibnu Wardana Hakim, Adya Abdu Azizul Hanif, Mohammad Burhan Hetty Catur Ellyawati, Hetty Catur Kusumaningrum, Yulinda Maugy Al Kautsar Mohammad Burhan Hanif Pratama Angga Buana Rachmawati, Eka Putri Siti Asmiatun, Siti Tirta Jurista Kumkandani Tirta Yurista Kumkamdani Vensy Vydia Widodo, Edi Widodo,