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All Journal JURNAL PETIK Jurnal Digit : Digital of Information Technology Jurnal Grafis Jurnal Informatika
Adam, Rinaldi
Universitas Catur Insan Cendekia
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Education Industrial & Manufacturing Engineering Social Sciences

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Journal : Jurnal Informatika

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Implementation of DSS for the Selection of MSME Financing Based on Financial Performance and Growth Potential Willy Eka Septian; Maya Permata Sari; Rinaldi Adam; Muhammad Ibrahim; Silvia Maharani; Lena Magdalena
Jurnal Informatika Vol. 13 No. 1 (2026): April
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/ji.v13i1.11151

Abstract

Many businesses have difficulty choosing a funding scheme that suits their financial condition and their company's growth potential. The Analytical Hierarchy Process (AHP) method and the Order of Preference by Similarity to Ideal Solution (TOPSIS) technique are combined to create the right Decision Support System (DSS). This research collected data through surveys and interviews with experts in 30 relevant agency-assisted MSMEs, but the data that will be displayed in this journal are as many as 5 MSME data that we have selected. Then, using AHP to determine how important financial criteria and business prospects are, and using the TOPSIS method to compare alternative financing such as people's business loans, fintech loans, and venture capital. Research outputs include a prototype of a system that can generate scientific publications, policy inputs, and objective financing advice for financial institutions. It is hoped that with this DSS, the financing selection process will be more measurable and accurate, and will support the sustainable growth of MSMEs. This resualt shows that  the Analytical Hierarchy Process (AHP) method  is able to produce a consistent criterion weight with  a Consistency Ratio (CR) value of < 0.1, where business duration (0.22) and income (0.17) are the most dominant factors in assessing the feasibility of MSME financing. Furthermore, the TOPSIS method  was used to produce an objective MSME ranking, with Krh Kreasikus Production obtaining the highest preference value (Ci = 0.6911) and Nainay Salted Egg Producer obtaining the lowest value (Ci = 0.2259), demonstrating the ability of this method in distinguishing at-risk MSMEs and MSMEs with better growth potential. Overall,  the AHP-TOPSIS-based Decision Support System model has proven to be effective in helping financial institutions evaluate MSMEs in a more systematic, transparent, and data-based manner  compared to conventional methods.
Co-Authors Abdun Wijaya Adaliah, Agil Vevy Amroni Amroni Asih, Victor Dewi, Wiwiek Nurkomala Fahrudin, Rifqi Ilwan Syafrinal Iman Nurrobi Indriani Indriani Ivan Susanto Jaenudin Jaenudin Kusnadi Kusnadi Kusnadi Lena Magdalena Maya Permata Sari Miawati Miawati Mileniasari, Ni Made Ayu Ratih Mohamad Rully Mubarok, Iqbal Muhammad Ibrahim Mukhtar Habiby Mutohari, A Sobi Nabila, Selsa Nugroho, Kartiko Dwi Nur Alamsyah, Alif Parman, Suhadi Petrus Sokibi Sukanto Petrus Sokibi, Petrus Rachmasari, Melinda Randika putra, Panji Satrio Rangga Maulana Ridho Taufiq Subagio Rosyid, Dzulfikar Fickri Rully, Mohamad Salsabila, Shafa Silvia Maharani Solihah, Yuni Awalaturrohmah Trio Ade Mulyanto Unang Solihin Wardani, Ghina Rahmah Wijaya, Abdun Willy Eka Septian