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Herri Setiawan
Universitas Indo Global Mandiri, Palembang
Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Materials Science & Nanotechnology Mathematics Mechanical Engineering Social Sciences Other

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Klasifikasi Kelayakan Permintaan Pinjaman Pensiun Menggunakan Metode K-Nearest Neighbors (K-NN) Sarisstia, Tika; Setiawan, Herri; Permatasari, Indah
Jurnal Informatika Vol 25 No 2 (2025): Jurnal Informatika
Publisher : Institut Informatika Dan Bisnis Darmajaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30873/jurnalinformatika.v25i115

Abstract

 The loan eligibility assessment for retired employees is a crucial process requiring quick and accurate evaluation to support sound credit decision-making. This research develops a pension loan eligibility classification system using the K-Nearest Neighbors (K-NN) method at Bank BTPN Palembang. The dataset consists of 240 retired customers with attributes including Pension Salary, Loan Amount, 70% Salary, Monthly Installment, Remaining Salary, Credit History, Age, and Target Label. Data preprocessing includes duplicate removal, normalization, encoding, and train-test splitting. The optimal k value is determined using the Elbow method. Experimental results show that K-NN with k = 5 achieves an accuracy of 95.83%. Precision values reach 0.92 for the Eligible class and 1.00 for the Ineligible class, while recall scores are 1.00 and 0.92, with F1-scores of 0.96 for both classes. The confusion matrix indicates 45 correct classifications out of 48 test cases, with only 3 misclassifications. These results demonstrate that the K-NN method effectively supports objective loan eligibility assessments in the financial sector.
Co-Authors ., Tasmi Adiyatma, Muhammad Rifki Agustani, Adi Agustanti, Sri Primaini Ahmad Haidar Mirza Aji Windu Viatra Alie, Marzuki Antony, Ferry Budi Setiawan Cahyadi, Muhammad Leo DEWI SARTIKA Dhamayanti Dhamayanti Dhamayanti Dhamayanti, Dhamayanti Dhamyanti, Dhamyanti Edward, Edward Fajryn, Fikry Fakhry Zamzam Herry Pintardi Chandra Husnawati Husnawati Indah Permatasari Irvani, Muhammad Haviz Istiyanto, Jazi Eko Jazi Eko Istiyanto Lastri Widya Astuti, Lastri Widya Lestari, Sylvia Dwi Munandar, M. Agus N, Ashari S N, Ashari S Nurwijayanti Oklilas, Fali Pratama, M. Aditya Yoga Prayuda, Randy Purnamasari, Evi Purwo Santoso Ramadhan, Boy Gilang Ratnawidjaja, Soehendra Retantyo Wardoyo Rosyad, Nyimas Siti Rudi Heriansyah, Rudi S.Si., M.Kom, Dr. Shinta Puspasari, Santoso, Purwo Sarisstia, Tika Solekhan, Ahmad Tasmi, Tasmi Tien Yustini, Tien Zulhipni Reno Saputra Els