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Classification of Customer Credit Risk Levels Using the Random Forest Method: A Case Study on Microfinance Institutions Damayanti, Fera; Arief Budiman; Siti Sundari; Theodora MV Nainggolan
Journal of Computer Science, Artificial Intelligence and Communications Vol 1 No 2 (2024): November 2024
Publisher : Raskha Media Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64803/jocsaic.v1i2.20

Abstract

Credit risk classification plays a crucial role in supporting financial institutions, especially microfinance institutions, in assessing the ability of customers to repay loans. This study aims to develop a credit risk classification model using the Random Forest method, which is known for its accuracy and robustness in handling classification problems. The research uses a dataset obtained from a microfinance institution consisting of various customer attributes such as income, age, loan amount, repayment history, and employment status. The dataset is preprocessed and divided into training and testing sets to evaluate model performance. The Random Forest algorithm is then applied to build a classification model that categorizes customers into three credit risk levels: low, medium, and high. The results show that the Random Forest model achieves a high level of accuracy, with a classification precision of 89%, recall of 87%, and F1-score of 88%. These findings indicate that Random Forest is an effective technique for credit risk classification and can be implemented by microfinance institutions to support better decision-making in credit approval processes. This research also highlights the potential of machine learning techniques in enhancing credit risk management and minimizing non-performing loans.
Identifikasi Tantangan dan Solusi dalam Sistem Pembayaran Utang Usaha pada PT Intidaya Dinamika Sejati Cristina H Siboro; Siti Sundari
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 10 (2025): Oktober
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i10.6736

Abstract

This research discusses the accounts payable payment system at PT Intidaya Dinamika Sejati by identifying the challenges faced and the strategic solutions that can be implemented to overcome these challenges, in order to improve the effectiveness of the company's debt management to suppliers. The challenges identified that caused obstacles in accounts payable management include delays in the invoicing verification process and a lack of coordination between the purchasing and finance departments. The approach used in this research is descriptive qualitative, with data collection techniques through observation and document studies. The results of the analysis show that internal factors, such as irregular administration and lack of internal controls, are the main causes of payment delays. The analysis results show that internal factors, such as the irregularity of administration and lack of internal control, are the main causes of payment delays. As a solution, the company is refining standard operating procedures (SOP), strengthening the information technology system by using an ERP service system, and enhancing the integration of the company's internal controls.  
PENGARUH PENGETAHUAN KEUANGAN, SIKAP KEUANGAN, INKLUSI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP PERSONAL FINANCE UMKM DI MADURA Siti Sundari; Moh. Zaki Kurniawan; Bambang Sudarsono
JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Vol. 7 No. 1 (2024): JIMEK VOLUME 7 NO 1 2024
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to identify the impact of financial knowledge, financial attitudes, financial inclusion, and Financial Technology on Personal Finance in Micro, Small and Medium Enterprises (MSMEs) in the Madura region. The subject of this study is MSME actors in Madura. As many as 100 MSME actors in Madura became respondents in this study through the distribution of questionnaires. The method used in this research is purposive sampling. The results of the study indicate that there is a positive impact of financial attitudes on the personal finance of MSMEs in Madura. However, financial knowledge, financial inclusion, and financial technology did not have a significant impact on MSME personal finance in Madura.
Implementasi Metode Additive Ratio Assessment (ARAS) Dalam Penilaian Kinerja Perangkat Desa Pada Kantor Pemerintahan Desa Tebing Linggahara Siti Sundari
Journal of Computing and Informatics Research Vol 3 No 3 (2024): July 2024
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/comforch.v3i3.1491

Abstract

Village Apparatus is a public service personnel who has duties and responsibilities towards community service, assisting the village head in carrying out his duties. So far, the performance assessment of village apparatus at the Tebing Linggahara Village government office is still manual so it takes a long time. Therefore, a decision support system is needed that can provide convenience in assisting the local government to assess the performance of village apparatus at the Tebing Linggahara Village government office. In this study, a decision support system is proposed that can assist in assessing the performance of village apparatus, namely using the Additive Ratio Assessment (ARAS) method. The ARAS method is part of the Multi Criteria Decision Making (MCDM) which is closely related to the Decision Support System. The ARAS method can also be used to make decisions from each alternative, then from each alternative has several criteria that are used as a reference in calculations using the ARAS Method. The ARAS method is used for ranking values. With this ranking method, Aminah Ritonga (A3) is the village apparatus with the best performance in the Tebing Linggahara Village Government office with the largest value of 6.5187, followed by Ramlan Saragih (A12) in second place with a value of 3.0966, then Samsuddin (A2) in third place with a value of 2.8224. It is hoped that the assessment of village apparatus performance will be more precise because it is based on the predetermined criteria and weight values, so that it will get maximum results.
The Effect Of Diaphragmatic Breathing Exercise On Reducing Stress Levels In Adolescents With Telephysiotherapy Method Siti Sundari; Dika Rizki Imania; Riska Risty Wardhani
JURNAL KEPERAWATAN DAN FISIOTERAPI (JKF) Vol. 8 No. 1 (2025): Jurnal Keperawatan dan Fisioterapi (JKF)
Publisher : Fakultas Keperawatan dan Fisioterapi Institut Kesehatan Medistra Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35451/qswh0193

Abstract

Background: Adolescents belong to an age group that often experiences psychological pressure. College students are adolescents who frequently feel stressed due to a heavy academic load (graduating on time), unmet expectations, a lack of self-control over various aspects of their lives, and the influence of their living environment. This study uses diaphragmatic breathing exercises to provide a relaxing and stabilizing effect on the nervous system, thereby reducing stress levels. Objective: This study aims to analyze the impact of diaphragmatic breathing exercises on reducing stress levels in the adolescent population through a telephysiotherapy approach. Method: This study used a quasi-experimental design and one-group pretest-posttest design. Participants were selected through a purposive sampling method, with a total of 20 individuals participating. The intervention protocol involved performing diaphragmatic breathing techniques twice a week over a four-week period. The measurement instrument used was the Perceived Stress Scale questionnaire. The data analysis procedure included descriptive normality testing, normality evaluation, and hypothesis testing. Results and Discussion: Hypothesis testing with the Wilcoxon test showed that the p-value was 0.001 (p<0.05), indicating a significant effect of the implementation of diaphragmatic breathing exercises in reducing adolescent stress levels through the telephysiotherapy method. Conclusion: The provision of diaphragmatic breathing exercises has an effect on reducing stress levels in adolescents.
Determinan Agresivitas Pajak: Studi Empiris pada Perusahaan Pertambangan yang Terdaftar di Bursa Efek Indonesia Tahun 2018-2022 St. Rohmawatik; Siti Sundari
Al-Buhuts Vol. 20 No. 2 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i2.5135

Abstract

This research aims to test and analyze the influence of corporate social responsibility (CSR), capital intensity, and profitability on tax aggressiveness. This research uses quantitative methods with secondary data in the form of company annual reports. The population in this study were 99 mining companies listed on the Indonesia Stock Exchange in 2018-2022. The sampling technique used a purposive sampling method and 15 companies were obtained as research samples with an observation period of 5 years, resulting in 75 analysis units. Technical data analysis uses structural equation models with WarpPLS 7.0 software. The research results show that capital intensity and profitability have an effect on tax aggressiveness, while CSR has no effect on tax aggressiveness in mining companies
KLASIFIKASI JENIS DAUN TANAMAN OBAT BERDASARKAN CITRA TEKSTUR MENGGUNAKAN GRAY LEVEL CO OCCURRENCE MATRIX (GLCM) DAN ALGORITMA K-NN Anakanda Bungsu Panogari Lubis; Siti Sundari
Journal Computer and Technology Vol. 3 No. 2 (2025): Desember 2025
Publisher : Ninety Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69916/comtechno.v3i2.414

Abstract

Penentuan jenis daun tanaman obat yang cepat dan konsisten penting untuk menjamin mutu pemanfaatan fitofarmaka, sementara identifikasi manual rentan bias dan memakan waktu. Penelitian ini merancang sistem klasifikasi berbasis citra tekstur dengan ekstraksi fitur Gray Level Co occurrence Matrix dan pengklasifikasi K-NN. Alur kerja mencakup praproses citra menjadi grayscale, penyetaraan ukuran 128×128, pembentukan GLCM pada empat orientasi, serta perhitungan enam properti tekstur sehingga dihasilkan vektor fitur yang merepresentasikan pola permukaan daun. Vektor ini diklasifikasikan menggunakan K-NN pada skenario multikelas. Dataset berisi seribu citra dari sepuluh kelas yang dibagi menjadi delapan ratus data latih dan dua ratus data uji. Implementasi dilakukan di Google Colab dengan antarmuka Gradio sehingga pengguna dapat mengunggah citra dan memperoleh hasil secara interaktif. Hasil awal menunjukkan akurasi tiga puluh empat persen yang menandakan sistem telah menangkap sebagian sinyal tekstur namun masih memerlukan peningkatan. Perbaikan yang disarankan meliputi kurasi dan augmentasi data, normalisasi pencahayaan, seleksi serta penimbangan fitur, penalaan parameter K-NN, dan eksplorasi pengklasifikasi lanjutan seperti SVM atau CNN agar kinerja meningkat pada variasi citra yang lebih luas. Sistem ini menjadi baseline yang sederhana, transparan, dan mudah direplikasi untuk pengembangan berikutnya.
MERANCANG VIDEO ANIMASI 3D KESALAHAN PARENTING YANG MERUSAK TUMBUH KEMBANG ANAK MENGGUNAKAN UNITY 3D Tri Rizki Ramadhani; Siti Sundari; Khairunnisa Khairunnisa
E-Link: Jurnal Teknik Elektro dan Informatika Vol. 19 No. 1: Mei 2024
Publisher : Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/e-link.v19i1.6457

Abstract

Every parent is obliged to care for and love their child. A child really needs guidance and direction from every parent starting from still in the womb until the child understands the meaning of life. Most of the child's life span is in the family sphere, therefore the parenting style of the child greatly determines the personality and behavior of the child. But there are still many parenting styles for their children that are too harsh, causing big problems for the child. This is based on parents' ignorance of parenting mistakes for child development. Therefore, the authors designed a 3D animation video for parenting mistakes that damage children's development using Unity 3D. This animated video aims to help parents find out the causes and effects of parenting mistakes for the growth and development of their children. Animated videos made using simple language to make it easier to understand by all groups of people.