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All Journal IJCCS (Indonesian Journal of Computing and Cybernetics Systems) Jurnal Pendidikan Vokasi Jurnal Sains dan Teknologi Jurnal Sarjana Teknik Informatika Jurnal Teknologi Informasi dan Ilmu Komputer Sistemasi: Jurnal Sistem Informasi Jurnal Pengabdian UntukMu NegeRI Jurnal ELTIKOM : Jurnal Teknik Elektro, Teknologi Informasi dan Komputer Sinkron : Jurnal dan Penelitian Teknik Informatika JURNAL MEDIA INFORMATIKA BUDIDARMA Kinetik: Game Technology, Information System, Computer Network, Computing, Electronics, and Control JITK (Jurnal Ilmu Pengetahuan dan Komputer) JOURNAL OF APPLIED INFORMATICS AND COMPUTING ILKOM Jurnal Ilmiah Compiler KACANEGARA Jurnal Pengabdian pada Masyarakat Martabe : Jurnal Pengabdian Kepada Masyarakat JURTEKSI Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Jambura Journal of Informatics Building of Informatics, Technology and Science JISKa (Jurnal Informatika Sunan Kalijaga) Mobile and Forensics Aviation Electronics, Information Technology, Telecommunications, Electricals, Controls (AVITEC) Jurnal Informatika dan Rekayasa Perangkat Lunak International Journal of Advances in Data and Information Systems Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Innovation in Research of Informatics (INNOVATICS) Humanism : Jurnal Pengabdian Masyarakat Jurnal Pendidikan dan Teknologi Indonesia Prima Abdika: Jurnal Pengabdian Masyarakat Bulletin of Pedagogical Research Jurnal Pengabdian Pada Masyarakat Jurnal Pengabdian Informatika (JUPITA) Bulletin of Social Informatics Theory and Application Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Mohuyula : Jurnal Pengabdian Kepada Masyarakat Scientific Journal of Informatics
Herman Yuliansyah, Herman
Program Studi Teknik Informatika, Fakultas Teknologi Industri, Universitas Ahmad Dahlan
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Journal : JURTEKSI

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PREDICTING LOAN ELIGIBILITY WITH SUPPORT VECTOR MACHINE: A MACHINE LEARNING APPROACH Rajunaidi, Rajunaidi; Yuliansyah, Herman; Sunardi, Sunardi; Murinto, Murinto
JURTEKSI (Jurnal Teknologi dan Sistem Informasi) Vol 11, No 3 (2025): Juni 2025
Publisher : Universitas Royal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33330/jurteksi.v11i3.3876

Abstract

Abstract: Non-performing loans remain one of the main challenges faced by cooperatives, particularly when the loan eligibility assessment process is still conducted manually. This traditional approach tends to be time consuming, subjective, and prone to inaccurate decisions. This study aims to develop a predictive model for borrower eligibility using the Support Vector Machine (SVM) algorithm as a more efficient and objective machine learning-based solution. A total of 1,000 loan history records were processed using RapidMiner software, taking into account variables such as salary, years of employment, loan amount, monthly installment, employment status, monthly expenses, number of dependents, housing status, age, and collateral value. The model’s performance was evaluated using a confusion matrix and classification metrics including accuracy, precision, recall, and kappa. The results indicate that the SVM model achieved an accuracy of 90.05%, precision of 90.13%, recall of 90.05%, and f1 score of 90,08%, reflecting a strong performance in classifying borrower eligibility. The application of this method makes a significant contribution to the development of data driven decision support systems within cooperative environments. This finding expands the scientific understanding in the field of microfinance and supports the implementation of artificial intelligence technologies in making decisions that are more precise, rapid, and accurate.Keywords: cooperative; eligibility prediction; machine learning; non-performing loan; SVMAbstrak: Kredit macet merupakan salah satu permasalahan utama yang dihadapi koperasi, terutama ketika proses penilaian kelayakan peminjam masih dilakukan secara manual. Pendekatan ini cenderung lambat, subjektif, dan berisiko menghasilkan keputusan yang kurang akurat. Penelitian ini bertujuan untuk membangun model prediksi kelayakan peminjam menggunakan algoritma Support Vector Machine (SVM) sebagai solusi berbasis machine learning yang lebih efisien dan objektif. Sebanyak 1.000 data riwayat pinjaman diolah menggunakan tools RapidMiner dengan mempertimbangkan variabel: gaji, lama bekerja, besar pinjaman, angsuran per bulan, status pegawai, pengeluaran bulanan, jumlah tanggungan, status rumah, umur, dan nilai jaminan. Evaluasi model dilakukan menggunakan confusion matrix dan metrik klasifikasi seperti akurasi, presisi, recall, dan kappa. Hasil menunjukkan bahwa model SVM mencapai akurasi  90,05%, presisi 90,13%, recall 90,05%, dan f1 score 90,08%, yang mencerminkan performa model yang sangat baik dalam mengklasifikasikan kelayakan peminjam. Penerapan metode ini memberikan kontribusi penting dalam pengembangan sistem pendukung keputusan berbasis data di lingkungan koperasi. Temuan ini memperluas wawasan keilmuan di bidang keuangan mikro dan mendukung penerapan teknologi kecerdasan buatan dalam pengambilan keputusan yang lebih tepat, cepat, dan akurat.Kata Kunci: koperasi; kredit macet; machine learning; prediksi kelayakan; SVM  
PREDICTING LOAN ELIGIBILITY WITH SUPPORT VECTOR MACHINE: A MACHINE LEARNING APPROACH Rajunaidi, Rajunaidi; Yuliansyah, Herman; Sunardi, Sunardi; Murinto, Murinto
JURTEKSI (jurnal Teknologi dan Sistem Informasi) Vol. 11 No. 3 (2025): Juni 2025
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM) STMIK Royal Kisaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33330/jurteksi.v11i3.3876

Abstract

Abstract: Non-performing loans remain one of the main challenges faced by cooperatives, particularly when the loan eligibility assessment process is still conducted manually. This traditional approach tends to be time consuming, subjective, and prone to inaccurate decisions. This study aims to develop a predictive model for borrower eligibility using the Support Vector Machine (SVM) algorithm as a more efficient and objective machine learning-based solution. A total of 1,000 loan history records were processed using RapidMiner software, taking into account variables such as salary, years of employment, loan amount, monthly installment, employment status, monthly expenses, number of dependents, housing status, age, and collateral value. The model’s performance was evaluated using a confusion matrix and classification metrics including accuracy, precision, recall, and kappa. The results indicate that the SVM model achieved an accuracy of 90.05%, precision of 90.13%, recall of 90.05%, and f1 score of 90,08%, reflecting a strong performance in classifying borrower eligibility. The application of this method makes a significant contribution to the development of data driven decision support systems within cooperative environments. This finding expands the scientific understanding in the field of microfinance and supports the implementation of artificial intelligence technologies in making decisions that are more precise, rapid, and accurate.Keywords: cooperative; eligibility prediction; machine learning; non-performing loan; SVMAbstrak: Kredit macet merupakan salah satu permasalahan utama yang dihadapi koperasi, terutama ketika proses penilaian kelayakan peminjam masih dilakukan secara manual. Pendekatan ini cenderung lambat, subjektif, dan berisiko menghasilkan keputusan yang kurang akurat. Penelitian ini bertujuan untuk membangun model prediksi kelayakan peminjam menggunakan algoritma Support Vector Machine (SVM) sebagai solusi berbasis machine learning yang lebih efisien dan objektif. Sebanyak 1.000 data riwayat pinjaman diolah menggunakan tools RapidMiner dengan mempertimbangkan variabel: gaji, lama bekerja, besar pinjaman, angsuran per bulan, status pegawai, pengeluaran bulanan, jumlah tanggungan, status rumah, umur, dan nilai jaminan. Evaluasi model dilakukan menggunakan confusion matrix dan metrik klasifikasi seperti akurasi, presisi, recall, dan kappa. Hasil menunjukkan bahwa model SVM mencapai akurasi  90,05%, presisi 90,13%, recall 90,05%, dan f1 score 90,08%, yang mencerminkan performa model yang sangat baik dalam mengklasifikasikan kelayakan peminjam. Penerapan metode ini memberikan kontribusi penting dalam pengembangan sistem pendukung keputusan berbasis data di lingkungan koperasi. Temuan ini memperluas wawasan keilmuan di bidang keuangan mikro dan mendukung penerapan teknologi kecerdasan buatan dalam pengambilan keputusan yang lebih tepat, cepat, dan akurat.Kata Kunci: koperasi; kredit macet; machine learning; prediksi kelayakan; SVM  
Co-Authors Abdul Fadlil Adhi Prahara, Adhi Agus Setiawan, Hisyam ALYA MASITHA Anton Yudhana Apriliani, Evinda Ardiansyah, Ricy Arief Ghozali, Fanani Asti Mulasari, Surahma Ayu Laksmi Pandhita, Ayu Laksmi Bambang Sudarsono Bella Okta Sari Miranda Bidinnika, Muhammad Kunta darmanto darmanto Destriana, Rachmat Dewi Soyusiawaty Eko Hari Rachmawanto Fatwa Tentama Febiyan, Rifal Firdaus, Muhammad Khysam Fitriani Mutmainah, Nur Fitriani, Isah Ghozali, Fanani Arief Habie, Khairul Fathan Hafin, Aqid Fahri Hazar, Siti Herminarto Sofyan Hidayat, Muhammad Taufiq Hildayanti, Ica Kurnia Hildayanti, Ica Kurnia Ika Arfiani Imam Riadi Irfan, Syahid Al Jayawarsa, A.A. Ketut Jefree Fahana Jumaedi Nasir, Ardiansyah Khoirul Anam Dahlan Khoirunnisa, Itsnaini Irvina Kintung Prayitno, Kintung Lifa, Lifa Lina Handayani Listyaningrum, Prabandari M. Yogi Riyantama Isjoni Mahiruna, Adiyah Muhammad Dzikrullah Suratin, Muhammad Dzikrullah Muhammad Fahmi Mubarok Nahdli Muhammad Kunta Biddinika Muhammad Ridwan Murinto Murinto Murinto Mutmainah, Nur Fitri Nafiati, Lu'lu' Nafiati, Lu’lu’ NGATIMIN, NGATIMIN Nia Ekawati, Nia Nisa Novianti, Tria Novitasari, Isda Desy Nur Rochmah Dyah Pujiastuti Pamungkas, Gilang Pamungkas, Gilang Pratama, Ridho Haikal Pratama, Wegig Putro, Aldibangun Pidekso R. Hafid Hardyanto, Settings Rachmaliany, Nur Rahmawan, Jihad Rahmawati, Rahmawati Raihan, Habib Aulia Rajunaidi, Rajunaidi Razak, Farhan Radhiansyah Rusydi Umar Salji, Rinday Zildjiani Sri Winiarti Subardjo Subardjo, Subardjo Sukesi , Tri Wahyuni Sulistyawati , Sulistyawati Sulistyawati Sulistyawati Sunardi Sunardi Sunardi Surahma Asti Mulasari Tri Wahyuni Sukesi Ulumiyah, Iftitah Dwi Wahyuni Sukesi, Tri Wala, Jihan Wan Ali, Wan Nur Syamilah Yohanni Syahra Yulianto, Dinan Yulisasih, Baiq Nikum