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All Journal Jurnal Edukasi Universitas Jember Bulletin of Electrical Engineering and Informatics Jurnal Ilmiah Teknik Elektro Komputer dan Informatika (JITEKI) Jurnal Teknologi Informasi dan Ilmu Komputer International Journal of Advances in Intelligent Informatics Scientific Journal of Informatics Journal of Information Systems Engineering and Business Intelligence Register: Jurnal Ilmiah Teknologi Sistem Informasi Jurnal Ilmiah Universitas Batanghari Jambi Kinetik: Game Technology, Information System, Computer Network, Computing, Electronics, and Control Bisma: Jurnal Bisnis dan Manajemen Martabe : Jurnal Pengabdian Kepada Masyarakat MATRIK : Jurnal Manajemen, Teknik Informatika, dan Rekayasa Komputer JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Jurnal Tekinkom (Teknik Informasi dan Komputer) Journal of Soft Computing Exploration Studi Ilmu Manajemen dan Organisasi Jurnal Abdimas Ekonomi dan Bisnis Transekonomika : Akuntansi, Bisnis dan Keuangan Perwira Journal of Science and Engineering (PJSE) Reviu Akuntansi, Manajemen, dan Bisnis PENA ABDIMAS : Jurnal Pengabdian Masyarakat Journal of Advances in Information Systems and Technology Indonesian Journal of Informatic Research and Software Engineering Jurnal Pemberdayaan Ekonomi eProceedings of Management Journal of Student Research Exploration Journal of Information System Exploration and Research Recursive Journal of Informatics IJEB JPM Media Penelitian dan Pengembangan Kesehatan Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Abdi Negeri
Budi Prasetiyo, Budi
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Journal : Jurnal Ilmiah Teknik Elektro Komputer dan Informatika (JITEKI)

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Deep Learning Model Implementation Using Convolutional Neural Network Algorithm for Default P2P Lending Prediction Nikmah, Tiara Lailatul; Jumanto, Jumanto; Prasetiyo, Budi; Fitriani, Nina; Muslim, Much Aziz
Jurnal Ilmiah Teknik Elektro Komputer dan Informatika Vol. 9 No. 3 (2023): September
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26555/jiteki.v9i3.26366

Abstract

Peer-to-peer (P2P) lending is one of the innovations in the field of fintech that offers microloan services through online channels without intermediaries. P2P  lending facilitates the lending and borrowing process between borrowers and lenders, but on the other hand, there is a threat that can harm lenders, namely default.  Defaults on  P2P  lending platforms result in significant losses for lenders and pose a threat to the overall efficiency of the peer-to-peer lending system. So it is essential to have an understanding of such risk management methods. However, designing feature extractors with very complicated information about borrowers and loan products takes a lot of work. In this study, we present a deep convolutional neural network (CNN) architecture for predicting default in P2P lending, with the goal of extracting features automatically and improving performance. CNN is a deep learning technique for classifying complex information that automatically extracts discriminative features from input data using convolutional operations. The dataset used is the Lending Club dataset from P2P lending platforms in America containing 9,578 data. The results of the model performance evaluation got an accuracy of 85.43%. This study shows reasonably decent results in predicting p2p lending based on CNN. This research is expected to contribute to the development of new methods of deep learning that are more complex and effective in predicting risks on P2P lending platforms.
Co-Authors Afrizal Rizqi Pranata, Afrizal Rizqi Ahmad Roziqin, Ahmad Aisy, Salsabila Rahadatul Aji Purwinarko, Aji Alamsyah - Amidi Amidi, Amidi Anggraini, Tasya Fitria Anggyi Trisnawan Putra Ardila Rahma, Rana Aziz, Alif Abdul Azura, Amberia Narfi Bachtiar, Muhammad Irgi Bambang Widjajanta, Bambang Bayuaji, Hibatullah Zamzam Tegar Beta Noranita Biyantoro, Arell Saverro D.W, Made Bagus Paramartha Didimus Tanah Boleng Dinova, Dony Benaya Endang Sugiharti, Endang Fachrezi, Farhan Rifa Fadhilah, Muhammad Syafiq Fadlil, Affan Fajriati, Nafa Fata, Muhamad Nasrul Fata, Muhamad Nasrul Ferninda, Varin Fikri Mohamad Rizaldi Fitriana, Jevita Dwi Hakim, Ade Anggian Hakim, M Faris Al Hakim, M. Faris Al Hakim, Roshan Aland Hani Fitria Rahmani Ilham Maulana Jhonatan, Edward Jumanto Jumanto , Jumanto Jumanto Jumanto, Jumanto Jumanto Unjung KA, Cecep Bagus Suryadinata Korina, Nanda Putri Leo nardo Lestari , Apri Dwi Lestari, Apri Dwi Lestari, Fitri Duwi Lintang, Irendra M. Faris Al Hakim Makrina Tindangen Maulidia Rahmah Hidayah, Maulidia Rahmah Much Aziz Muslim Mukhlisin, Ahmad Munahefi, Detalia Noriza Mustaqim, Amirul Muzayanah, Rini Naufal Zuhdi, Hamzah Ndruru, Toni Krisman Nelly, Fredy Kusuma Nendya, Bima Nicko, Robertus Nikmah, Tiara Lailatul Nina Fitriani, Nina Ningsih, Maylinna Rahayu Nisa, Intan Khairun Niswah Baroroh Partini, Emilia Paundra, Fajar Pertiwi, Dwika Ananda Agustina Pradana, Fadli Dony PRASETYO, ERWIN Pratama, Muhammad Hasbi Puspo Dewi Dirgantari Rachmawati, Eka Yuni Rachmawati, Eka Yuni Rahmat Gernowo Ramadhian, M. Arief Rahman Ratih Hurriyati Riesnandar, Edi Ristiawati, Monika Riza Arifudin Robianty, Nenden Sondari Rofik Rofik, Rofik S.Pd. M Kes I Ketut Sudiana . Sadid, Moh Naufal Salsabila, Malika Putri Saparina, Iska Ayu Saputra, Angga Riski Dwi Satriawan, Grace Yudha Satrio Ardiansyah, Adi Seivany, Ravenia Septian, M Rivaldi Ali Subhan Subhan Sugiharto, Muhammad Sulastri, Ai Syaharani, Reisya Triyadi, Indra Vember, Hilda Wahyu, Aufa Azfa Yahya Nur Ifriza Yosza Dasril Yulia Nur Hasanah