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Bambang Sutejo, Bambang
(SINTA ID: 6742479) Universitas Darwan Ali
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Finance Loan Risk Assessment Using Machine Learning for Credit Eligibility Prediction and Model Optimization Mulyanto, Sigit; Yonia, Dwika Lovitasari; Sutejo, Bambang
IJISTECH (International Journal of Information System and Technology) Vol 8, No 5 (2025): The February edition
Publisher : Sekolah Tinggi Ilmu Komputer (STIKOM) Tunas Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30645/ijistech.v8i5.376

Abstract

Finance loans play a crucial role in the global economy, supporting individuals and businesses in accessing capital for investment and financial stability. However, more than 60% of financial institutions struggle with identifying credit risks due to the limitations of traditional assessment models, which fail to capture complex borrower behavior. Additionally, 75% of financial firms have adopted AI-driven credit risk management, yet challenges remain in model validation and decision-making transparency. This study applies machine learning techniques, including Logistic Regression, Decision Tree, Random Forest, and Support Vector Machine (SVM), to enhance loan eligibility prediction. The dataset underwent preprocessing, including handling missing values, feature engineering, and data standardization. Model evaluation used accuracy, precision, recall, and F1-score. Logistic Regression achieved the highest F1-score at 88.6% and recall at 98.6%, while Random Forest recorded the highest precision at 82.3%. Feature importance analysis identified Credit History as the most influential factor, followed by Loan Amount and Total Income. While machine learning improves loan risk assessment, challenges remain in model interpretability. Future research should integrate explainable AI (XAI) and alternative credit scoring factors to enhance model transparency and robustness in real-world applications
Co-Authors Agnes Pratiwi Br Damanik Agung Rasmito Agus Murdiyanto Aldo, Muhammad Andi Andi Andi arif Atika Aini Nasution Augustinah, fedianty Calosa, Charen Caroline Chairus Suriyat Chairus Suryati Davis Febrinanto Prakasa Debi Masri Dedek syafrizal Dedy Kunhadi Dewangga, Ria Saputra Dewi, Pinky Pininta Dina Eldina Marbun Dwi Wijayanti Ellin Fahrizi, Irgi Farhan Amaruli Fauz Rafid Syafiq Fitriano, Andre Hamonangan, Yohanes HANDAYANI, TINA MUHARDIKA Hayuningtias, Kristina Anindita Henny Purnama Dewi Henny Purnawa Dewi Husnurridlo, Abie Idhina Ghustina Ihdina Gustina Irma Herliza Rizki Jesslyn Junaidi Lubis Kosasih, Jocelin Kurniawan, Moch. Rosi Lee, Clara Lela Nurpulaela Luthfitawati, Rosaliana M. Salim Manti Apriyani Mela Novita Rizki Melky Suhery Simamora Moh. Ainul Fais Muammar Rinaldi Muhammad Aldo Muhammad Amin Faisal Muhammad Arif Muhammad Salim Fauzi MUHAMMAD YUSUF Nur Wahyuni Nuraini, Naseha Pitaloka, Eva Diana Pramitha, Asti Rizkiana Pratama, Ryan Adi Prayogo, LM Fandy Putra, Hermanda Berima Rahayu Saraswati, Rahayu Rahmat Hidayat Rini Oktavera Rokh Eddy Prabowo Salim Sattar Rasul Shofia Amin Sigit Mulyanto Silvana Mohamad Simanjuntak, Nensy Megawati Siti Aisyah Situmorang, Kheylina Lidya Sri Sumiyati Stefanie Sudirman Sudirman Sudirman SUMIYATI SUMIYATI Supriyanto Supriyanto Suyanto syahmardi yacob Tabuni, Nuas Tampubolon, Liosten Rianna Roosida Ully Tanelwy, Aurellia Tiarni Br Torus Tina Muhardika Handayani Wibowo, Rudy Widyastika, Dinda Yonia, Dwika Lovitasari Yuni Irmawan Yuni Krida Sakti Yuyun Yuniati Zahra, Salma Izdihar