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Rianto Rianto
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Journal : Format : Jurnal Imiah Teknik Informatika

 1 
Perbandingan Algoritma Machine Learning Untuk Prediksi Gagal Bayar Pinjaman Koperasi yang Optimal Aziz, Hilmi; Rianto, Rianto
FORMAT Vol 13, No 2 (2024)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/format.2024.v13.i2.001

Abstract

Abstract - Predicting loan repayment defaults is quite an important thing to do in a financial institution such as a Savings and Loans Cooperative. The aim is to minimize the occurrence of loan defaults by borrowers to cooperatives so that bankruptcy does not occur. In this study, the development of a predictive model was carried out using several popular machine learning algorithms, namely logistic regression, decision tree, random forest and k-nearest neighbors (KNN), then the four models were compared and evaluated in order to find out which model with the most effective algorithm. in predicting loan defaults in cooperatives. Program evaluation is carried out by metrics such as accuracy, precision, recall, and f1-score. The dataset itself is obtained from a loan list which includes attributes such as borrower profile, loan amount, number of installments, etc. This dataset is divided into training data and test data to train and evaluate the model. The results showed that the Random Forest algorithm model provided the best accuracy, reaching 89%, followed by the Decision Tree with the highest accuracy value, which reached 84%, and finally Logistic Regression and K-Nearest Neighbors with the same accuracy value, namely 81%. These four algorithms were chosen because they are well-known algorithms among other algorithms for financial predictions because of their ability to understand complex relationships, provide interpretable results, overcome overfitting problems, and consider the interrelationships between similar entities. Abstrak – Melakukan prediksi kegagalan pembayaran pinjaman merupakan hal yang cukup penting untuk dilakukan di sebuah badan keuangan seperti Koperasi Simpan Pinjam. Tujuannya yaitu untuk meminimalisir terjadinya gagal bayar pinjaman oleh peminjam kepada Koperasi agar tidak terjadi bangkrut. Pada penelitian ini dilakukan pengembangan model prediksi dengan menggunakan beberapa algoritma machine learning yang cukup popular yaitu  logistic regression, decision tree, random forest dan k-nearest neighbors (KNN), kemudian keempat model tersebut dibandingkan dan dievaluasi agar diketahui model dengan algoritma mana yang paling efektif dalam memprediksi gagal bayar pinjaman di Koperasi. Evaluasi program dilakukan metrik-metrik seperti akurasi, presisi, recall, dan f1-score. Untuk datasetnya sendiri didapat dari daftar pinjaman yang mencakup atribut seperti profil peminjam, jumlah pinjaman, banyak angsuran, dll. Dataset ini dibagi menjadi data pelatihan dan data uji untuk melatih dan mengevaluasi model. Hasil penelitian menunjukkan bahwa model algoritma Random Forest memberikan akurasi terbaik yaitu mencapai 89%, diikuti oleh Decision Tree dengan nilai akurasi tertingginya yang mencapai 84%, dan yang terakhir Logistic Regression dan K-Nearest Neighbors dengan nilai akurasi yang sama yaitu 81%. Keempat algoritma ini dipilih karena merupakan algoritma yang cukup terkenal di antara algoritma lainnya untuk prediksi dalam hal keuangan karena kemampuan mereka untuk memahami hubungan yang kompleks, memberikan hasil yang dapat diinterpretasikan, mengatasi masalah overfitting, dan mempertimbangkan keterkaitan antara entitas yang serupa.
Co-Authors AA Sudharmawan, AA Abdullah Abdullah Abdurahman Abdurrahman Abdurrosyid, Moh. Acep Irham Gufroni Aditya Wahana Adriani, Hanni Affindo, Edo Afiati, Laksmita Nur Agus Riyadi Al-Husaini, Muhammad Al-Mujaddid, Toriq Furqon Alam Rahmatulloh Alaydrus, Syafika Alfarez, Rifky alfi husni, alfi Aliah, Aliah Alman, Fariel Zulfikar Alman, Gabriel Choirul Ameilia Damayanti Amelia Citra Dewi Amrina Rosyada Anggara, Afwan Anggraini, Intan Ariesta Apriansyah, Ferryma Arba Aradea Aradea Arfa, Desmayeti Ari Kusuma Wardana Arief Bakhtiar Darmawan, Arief Bakhtiar Arief Purwanto Ariyanto M, Ariyanto M Ashari, Anisa Fitri Asrai Maros Atika Aini Nasution Aulia, Triana Zuhrotun Ayu Kadek Ari Noviani, Ni Gusti Aziz, Hilmi Bafaqis, Muhammad Haziq Bayu Saputro Bermana, Seftiandra Daegal, Andre Damayanti, Ameilia Dani Gilang Sujana Dewi, Triana Rosalina Dian Wijayanti Diva Pari Sangga, Gusti Gede Dwianto, Rahmad Agus Dwiky Qurniawan Dwiniati, Dwiniati Efrinal, Efrinal Eldianson, Rio Enggar Novianto Enny Itje Sela Erik Herman Heri Ujianto Erik Iman Heri Ujianto Fallo, Hamidah Fidiantoro, Vicky firmansyah maualana sugiartana nursuwars Fransiska, Susanti Gunawan, Rohmat Habibie, Sri Yaumil Hasdani, Hasdani Herienda, Florensia Heru Prasetyo Hidayat, Nanang Al Husni Mubarok Husni Mubarok Idayanti, Rini Idum Satia Santi Istianingsih, Nanik Istifaedah, Inggit Nurul Ivan Yulivan Jasmin, Nur Shabrina Joko Santoso Juang Bertorio, Margala Judijanto, Loso Juniarsih, Delvita Koerunnisa, Koerunnisa Kurniawan, Elan Latifah, Tia M. Asyari Syahab Maharani, Mira Mahroza, Jonni malkis, lince Manto, Agus Mardana Yuda, I Wayan Maria Junetha Sihasale Maudiarti, Santi Metzvioleta, Metzvioleta Mhd. Arief Hasan, Mhd. Arief Mikail, Ali Astra Mohammad Syaltut Abduh, Mohammad Syaltut Muhammad Fairuzabadi Muhammad Rizki Muhammad Rizki Muhammad, Ariyanto Mujaddid, Toriq Furqon Al Mujiani, Sari Mulyaningsih, Indrya Myrza Rahmanita Na, Quan Nanik Istianingsih Nasution, Deivy Zulyanti Naufalino, Moch. Alfarros Difa Nawi, Nasrul Nengsih, Neng Suryanti Nilansari, Anis Febri Niluh Puspita Dewi, Niluh Puspita Nina Kusumayanti, Ni Luh Nofiyanti, Fifi Novita, Safitri Dwi Nugraha, Cindera Syaiful Nur Widiyasono Nur Widiyasono, Nur Nurasih, Zahra Nurcahya, Gugum Gumilang Nurmalinda, Elda Nuryanto , Tato Octarina, Dian Oktafiani, Rian Patiandari, Patiandari Patriandari, Patriandari Poiran Poiran Poiran, Poiran Pradhipta, RMW Agie Pradhipta, RMW. Agie Prakoso, Lukman Yudho Pramesti, Nadia Prastiyo, Endri Bagus Purwayoga, Vega Putra, Yudha Permadya Putri, Puji Handayani R.M.W. Agie Pradhipta Raditya Witamo, I Made Ramadhan, Muhammad Ilham Ramli, Mohammad Rizal Rasilah, Rasilah Raswen Efendi Riandy, Denis Victor Rima Aksen Cahdriyana Rina Sari Qurniawati, Rina Sari Riny, Riny Riska Ayu, Agustina Rizal, Randi Rusliyana, Rusliyana Ruswati, Ruswati Savitri Hendradewi Setia Wardani Setiadi, Muhammad Ikmal Setiawan, Nicko Kurnia Setiawan, Retno Agus Soemantri, Asep Iwa Soffi Widyanesti Priwantoro, Soffi Widyanesti Sri Patmi, Sri Subudiani, Ni Komang Sudarmanto, Eko Suherry Suherry, Suherry Sulastri, Heni Sundring Pantja Djati survival survival Susriyanti, Susriyanti Swuanderi, Ketut Syafrudin, Teguh Syahab, Alfin Syarifuddin Syariful Fahmi, Syariful Tato Nuryanto, Tato Tri Auri Yanti Tri Untoro, Iwan Hartadi Tulus Haryono, Tulus Ujianto, EIH Utami, Wahyu Sri Vismania S. Damaianti, Vismania S. Viyanti Viyanti Wawang Anwarudin Wayan Sudarsana Wibawa wibawa Wicaksono, Aditya Rangga Wifasari, Septi Yanuar Surya Putra Yasini, Ketut Young Soo, Kim Yumna, Irsalina Zai, Supriyaman Zalfiatr, Yelmirai Zulkifli Zulkifli Zuzzaifa, Nur