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All Journal Biota: Jurnal Ilmiah Ilmu-Ilmu Hayati Jurnal Ilmiah Teknik Elektro Komputer dan Informatika (JITEKI) Telematika : Jurnal Informatika dan Teknologi Informasi Scientific Journal of Informatics Profesi Pendidikan Dasar Journal of Information Systems Engineering and Business Intelligence Jurnal ELTIKOM : Jurnal Teknik Elektro, Teknologi Informasi dan Komputer Jurnal Penelitian Pendidikan IPA (JPPIPA) Register Journal Adi Widya : Jurnal Pengabdian Masyarakat JURNAL SINEKTIK BASIS (BAHASA DAN SASTRA INGGRIS) JCES (Journal of Character Education Society) Diglosia: Jurnal Kajian Bahasa, Sastra, dan Pengajarannya English Language and Literature International Conference (ELLiC) Proceedings JURNAL PENDIDIKAN TAMBUSAI Jurnal Basicedu Journal of Pragmatics Research Jurnal Komunikasi Pendidikan JURNAL PENDIDIKAN MIPA BENING Community Development Journal: Jurnal Pengabdian Masyarakat Randwick International of Education and Linguistics PIPER Journal of Soft Computing Exploration Jurnal PRIMED:Primary Education Journal atau Jurnal Ke-SD An Jurnal Basicedu Studies in English Language and Education Surakarta English and Literature Journal Journal of Pragmatics Research Journal of Student Research Exploration Journal of Information System Exploration and Research DIANKES : Jurnal Pengabdian Teknologi Informasi dan Kesehatan Journal of Linguistics, Culture and Communication Interling : International Journal of English Language Teaching, Literature and Linguistics
Jumanto Jumanto, Jumanto
Faculty of Humanities, Dian Nuswantoro University
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Journal : Jurnal Ilmiah Teknik Elektro Komputer dan Informatika (JITEKI)

 1 
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 Ade Parlaungan Nasution, Ade Parlaungan Adi, Yogi Kuncoro Agus Harjoko Agustiani, Agustiani Al Hakim, M. Faris Alabid, Noralhuda N. Alamsyah - Anggit Grahito Wicaksono Apsari, Fitri Noor Ari Widodo Ascarya, Farrel Aulia, Muhammad Kahfi Aurelia, Bening Febri Badriyah, Fitria Nurul Budi Prasetiyo, Budi Chairunnisa, Tsania Damayanti, Dela Rista Dewi, Meilina Taffana Dullah, Ahmad Ubai Dwi Anggraeni Dwi Eko Waluyo DWI HAPSORO Ema Butsi Prihastari Ratna Widyaningrum, Ema Butsi Prihastari Endang Sugiharti, Endang Faizal Risdianto Fatahillah, Dimas Ferdiansyah, Dicky Feri Faila Sufa, Feri Faila HAJRIAL ASWIDINNOOR Hakim, M. Faris Al Hanafi Hanafi Handayani, Sri Haryati Sulistyorini Hendra Kurniawan Herlina Kurniawati Hidayat Hidayat Ilham Maulana Irmade, Oka Jati, Ismail Wahyu Khalifah, Viera Nur Khoirunnisa, Avicenia Nasywa KURNIATI, SRI AYU Kusuma, Novelia Salsa Dara Lestari, Apri Dwi Lintang, Irendra Luh Titi Handayani, Luh Titi Lutfiyah, Nur Indah Sulistyowati Machfudz, Machfudz Mardiansyah, M Fadil Marshanda, Putri Martha Yohana Sinaga Masa, Amin Padmo Azam Mellisa, Mellisa Minghat, Asnul Dahar Bin Much Aziz Muslim Mukarom, Rosyid Fadhil Al Mulyana, Aditya Fajar Mulyaningtyas, Lintang Ayu Murtafiah, Eni Muzayanah, Rini Nikmah, Tiara Lailatul Nina Fitriani, Nina Ningsih, Maylinna Rahayu Nugraha, Faizal Widya NUGROHO, MUHAMMAD IRFAN Pertiwi, Dwika Ananda Agustina Prabaswara, Ireneus Pratama, Rizka Nur Prihatsari, Ema Butsi Puji Purwatiningsih, Aris Pulung Nurtantio Andono Puspita, Wiyanda Putri, Chindi Dwi Ayu Prabowo Putri, Salma Aprilia Huda Raden Arief Nugroho Rahayu, Emik Rahmanti Asmarani Ramadhan, Taufiq Brahmantyo Lintang ramayanti, ismarita Rawat, Bibek Rianto, Nur Aziz Kurnia Riza Arifudin Rizkasari, Elinda Rofik Rofik, Rofik RUSMILAH SUSENO Sa'ud, Udin Syaefudin Sagimin, Eka Margianti Salsabila, Halimah Sarafuddin, Sarafuddin Sinaga, Markus Soehendro, Eunike Imanuela Subhan Subhan Subrata, Monika Rosalia Sudarsono Sugiaryo, Sugiaryo Syamsu Rizal, Sarif Tanzilal Mustaqim Wahyu Sopandi Wibowo, Kevyn Aalifian Hernanda Wibowo, Kevyn Alifian Hernanda Wicaksono, Suntoro Widiaswara, R. Anantama Widyasari, Alma Wijaya, Dandi Indra Yahya Nur Ifriza Yosza Dasril Yulianingsih, Ratri Zaaidatunni'mah, Untsa