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All Journal IJCCS (Indonesian Journal of Computing and Cybernetics Systems) TEKNIK INFORMATIKA Seminar Nasional Aplikasi Teknologi Informasi (SNATI) Semantik Techno.Com: Jurnal Teknologi Informasi Jurnal Teknologi Informasi dan Ilmu Komputer Proceeding of the Electrical Engineering Computer Science and Informatics Fountain of Informatics Journal Jurnal ELTIKOM : Jurnal Teknik Elektro, Teknologi Informasi dan Komputer Sinkron : Jurnal dan Penelitian Teknik Informatika Jurnal RESTI (Rekayasa Sistem dan Teknologi Informasi) RABIT: Jurnal Teknologi dan Sistem Informasi Univrab Indonesian Journal on Software Engineering (IJSE) Faktor Exacta Jukung (Jurnal Teknik Lingkungan) CogITo Smart Journal INOVTEK Polbeng - Seri Informatika JRMSI - Jurnal Riset Manajemen Sains Indonesia KACANEGARA Jurnal Pengabdian pada Masyarakat Jurnal Nasional Pendidikan Teknik Informatika (JANAPATI) Informatik : Jurnal Ilmu Komputer Jurnal Riset Informatika JIPI (Jurnal Ilmiah Penelitian dan Pembelajaran Informatika) METIK JURNAL Scientific Journal of Informatics Idealis : Indonesia Journal Information System SKANIKA: Sistem Komputer dan Teknik Informatika Jurnal Teknik Informatika (JUTIF) Jurnal PkM (Pengabdian kepada Masyarakat) Kresna: Jurnal Riset dan Pengabdian Masyarakat Bit (Fakultas Teknologi Informasi Universitas Budi Luhur) Jurnal Algoritma Jurnal Ticom: Technology of Information and Communication Journal of Social And Economics Research Journal Of Communication Education Telematika MKOM Jurnal INFOTEL Jurnal Ticom: Technology of Information and Communication journal of social and economic research JuTISI (Jurnal Teknik Informatika dan Sistem Informasi)
Achmad Solichin
Universitas Budi Luhur
Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry 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 Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Jurnal Algoritma

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Prediksi Kapabilitas Calon Debitur Menggunakan Analisis Data Machine Learning Dengan Metode Random Forest Ananda Surya, Archie; Rizki Darmawan, Dika; Solichin, Achmad
Jurnal Algoritma Vol 22 No 1 (2025): Jurnal Algoritma
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/algoritma/v.22-1.1929

Abstract

This study was conducted at a financing company engaged in investment, working capital, and multipurpose financing, particularly in the consumer financing sector for four-wheeled vehicles, two-wheeled vehicles, and multipurpose products. The high level of non-performing loans (NPLs) has led to a decline in the company's asset quality. Although credit scoring has been implemented as the initial filter to evaluate prospective borrowers, certain aspects are still being overlooked. Credit scoring becomes less relevant when a prospective borrower has little or no credit history at all—a situation commonly encountered in motorcycle or two-wheeled vehicle financing. Therefore, this research aims not only to provide insights into borrower classification but also to reduce the percentage of non-performing loans, especially in two-wheeled vehicle financing in the future. The classification method used is Random Forest with SMOTE, utilizing 28 parameters including credit scoring, salary, number of active loans, borrower age, application region, marital status, length of employment, gender, and number of dependents. The data used for training the model in this study consists of records available in the system up to the year 2023, totaling 254,609 entries. The research findings indicate that the Random Forest model achieved an accuracy rate of 69%, which is slightly higher than the LightGBM (LGBM) method at 59% and XGBoost, which had an accuracy rate of 39%.
Co-Authors Abdullah 'Alim Achmad Maulana Agus Harjoko Agus Santoso Ahmad Ihsanudin Ahmad Zainul Mafakhir Akbar, Kafi Kurnia Alfredo Pasaribu Alhafiz, Muhammad Ihza Ananda Surya, Archie Andi Hakim Arif Andi Jumardi Anggi Ayu Ningtyas Anindya Putri Pradiptha Arif, Andi Hakim Arista Riski, Nanda Asmoro, Phaksi Bangun Bayu Raditya Nasution Bernadeta Asri Rejeki Tulodo Chandra, Joko Christian Dasril Aldo Dedy Mirwansyah Dewantara, Erno Kurniawan Dhiesky Chaerullah Dwi Kristanto Emil Salim Fadlan Amrullah Fahrullah Fahrullah Galih Gumilar Widhasmara Goenawan Brotosaputro Hanafi, Mohammad Afif Hari Soetanto Iqbal Chalid Irennada Ismail Adi Susanto Khaeri Diniari Khansa Khairunnisa Kurnianta, Kristana Lia Amellia Putri Lutfi Nukman Majid, Muhammad Farras Masdar Desiawan Mochammad Andika Putra Mohammad Syafrullah Muhamad Refaldi Muhammad Agus Arianto Muhammad Agus Arianto Muhammad Ali Akbar Muhammad Arif Kurniawan Muhammad Fahrizal Muhammad Hamdi Sukriyandi Muhammad Verdiansyah Muharam, Asep Budiyana Nariza Wanti Wulan Sari Nazori AZ Noor Ferdyansyah Nugroho, Ludi Obby Oktafianto Painem, Painem Painem, Painem Pradana, Rizky Pradiptha, Anindya Putri Pramudita, Bagas Prayogi, Muhamad Nur Rahmat Kurniawan Rasyid, Annisa Ratna Kusumawardani Reka Dwi Syaputra Restu Maulunida Reva Ragam Santika Richki Hardi Riki Wijaya Rizki Darmawan, Dika Robby Suganda Rusdah Rusdah Saddam, M Amiruddin Setiyadi, Prambudi Suherman Achmad Syahrul, Ahmad Tan Wee Chang Tetlageni, Muhamad Ridho Triyono, Gandung Ummu Habibah Romlah Utomo Budiyanto Wahyu Desena Wati, Lisna Wirasno, Wirasno Zainal A. Hasibuan Zulfikar Rosadi