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Faried, Annisa Ilmi
Universitas Pembangunan Panca Budi Medan, North Sumatera, Indonesia
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Journal : Journal of Intelligent Systems and Information Technology

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Implementation of Machine Learning Algorithm for Credit Scoring Prediction in Islamic Microfinance Siregar, Kiki Hardiansyah; Ruslan, Dede; Faried, Annisa Ilmi; Sembiring, Rahmad
Journal of Intelligent Systems and Information Technology Vol. 2 No. 2 (2025): July
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/jisit.v2i2.156

Abstract

Islamic microfinance institutions face complex challenges in data management and customer behavior prediction in the digital era. This study aims to optimize the Gradient Boosting algorithm with pruning techniques to predict customer collectibility. The analysis was conducted on data from 57 customers with 7 attributes from 2022 to 2024. The research methodology includes four stages: data collection, pre-processing, modeling, and evaluation. Pre-processing involves handling missing data, normalization, encoding, and feature selection. Modeling using XGBoost with and without pruning, followed by evaluation using accuracy, precision, recall, F1-score, confusion matrix, and ROC curve metrics. The results show an increase in model performance with pruning: accuracy increased by 0.70%, precision 0.60%, recall 0.80%, and F1-score 0.70%. This technique is effective in reducing overfitting and increasing model generalization. This research provides significant contribution in developing more accurate credit scoring system for Islamic microfinance institutions, improving credit risk management and customer service in Islamic microfinance sector. The findings help Islamic microfinance institutions optimize credit decision-making process and reduce risk in the digital era.
Co-Authors , Rahmad Sembiring Ahmad Fadlan Andika, Rindi Anggia Ramadhan Anisa Novia Rahmadani Binti Harun, Nor Harlinda Damanik, Henni Julianta Daulay, Muhammad Toyib Dede Ruslan Dewi Mahrani Rangkuty Dian Septiana Sari Dian Septiana Sari Dinanti Dinanti Diwayana Putri Nasution DWI SURYANTO Fajriani, Rima Fitri Ayu Fitriana, Yunita Geby Citra Ananda Geby Citra Ananda Ginting, Ramses Harun, Nor Harlinda binti Hermansyah Indah Kesuma Indah Safitri Lubis Irvan Malay Lia Nazliana Nasution Lia Nazliana Nasution Lubis, Aditya Nugraha M. Chaerul Rizky Matondang, Edi Saputra Maya Macia Sari Maya Syaula Maya Syaula Muhammad Yusuf Mutiara Annisa Naibaho, Yanti Br Neng Sri Wahyuni, Neng Sri Neng Sri Wardhani Nisa Ulzannah Nisa Ulzannah Nor Harlinda Binti Harun Nor Harlinda Binti Harun Pipit Buana Sari, Pipit Buana Purba, Echa Ferina Br. Rahmat Sembiring Ramadhan Ramadhan Ramadhan Ramadhan Ramadhan, Anggia Ramses Ginting Renny Maisyarah RITONGA, HUSNI MUHARRAM Riwanda, Febby Roro Rian Agustin Ruth Riah Ate Tarigan Saimara A.M Sebayang Saimara A.M. Sebayang Saimara Sebayang Sanny, Annisa Sari, Maya Macia Sebayang, Saimara A M Sebayang, Saimara AM Selfi Widiyanti Siregar, Deena Nikita Siregar, Kiki Hardiansyah Siska Monika Siti Sara suhendi suhendi Syah Putera Adrianto Syaida Nur Pratiwi Syukur Laoli Tia Novira Sucipto Tuan Zamilah Binti Tuan Husain Tuan Zamilah Binti Tuan Husain Ulzannah, Nisa USWATUN HASANAH Uswatun Hasanah Uswatun Hasanah Uswatun Hasanah Uswatun Uswatun Uswatun, Uswatun Vina Arnita Wahyu Indah Sari Wahyu Zuliah Sasmita Wani Aulia, Amanda Wardhani, Neng Sri Widia Br, Ginting Widia Br. Ginting Widia Br. Ginting