Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Jurnal Informatika

Implementation of DSS for the Selection of MSME Financing Based on Financial Performance and Growth Potential Eka Septian, Willy; Sari, Maya Permata; Adam, Rinaldi; Ibrahim, Muhammad; Maharani, Silvia; Magdalena, Lena
Jurnal Informatika Vol. 13 No. 1 (2026): April
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/ji.v13i1.11151

Abstract

Many businesses have difficulty choosing a funding scheme that suits their financial condition and their company's growth potential. The Analytical Hierarchy Process (AHP) method and the Order of Preference by Similarity to Ideal Solution (TOPSIS) technique are combined to create the right Decision Support System (DSS). This research collected data through surveys and interviews with experts in 30 relevant agency-assisted MSMEs, but the data that will be displayed in this journal are as many as 5 MSME data that we have selected. Then, using AHP to determine how important financial criteria and business prospects are, and using the TOPSIS method to compare alternative financing such as people's business loans, fintech loans, and venture capital. Research outputs include a prototype of a system that can generate scientific publications, policy inputs, and objective financing advice for financial institutions. It is hoped that with this DSS, the financing selection process will be more measurable and accurate, and will support the sustainable growth of MSMEs. This resualt shows that  the Analytical Hierarchy Process (AHP) method  is able to produce a consistent criterion weight with  a Consistency Ratio (CR) value of < 0.1, where business duration (0.22) and income (0.17) are the most dominant factors in assessing the feasibility of MSME financing. Furthermore, the TOPSIS method  was used to produce an objective MSME ranking, with Krh Kreasikus Production obtaining the highest preference value (Ci = 0.6911) and Nainay Salted Egg Producer obtaining the lowest value (Ci = 0.2259), demonstrating the ability of this method in distinguishing at-risk MSMEs and MSMEs with better growth potential. Overall,  the AHP-TOPSIS-based Decision Support System model has proven to be effective in helping financial institutions evaluate MSMEs in a more systematic, transparent, and data-based manner  compared to conventional methods.
Co-Authors Adam, Rinaldi Agus Sevtiana Ahmad Gunawan Akbari, Safitri Ali Reza Immamifar, Muhammad Ananda, Fikri Anggara Putra, Dwi Pasha Aprillia, Ariesya Asri Aulia, Siti Nur Baihaqi, Muhammad Faqih Christina, Stefanny Chritviona Parera, Shalom Daphne, Gabrielle Apta Eustacia Eka Septian, Willy Fahrudin, Rifki Fahrudin, Rifqi Fajriannoor Fanani, Fajriannoor Febima, Mesi Gitama, Gytha Nurhana Dhea Praadha Habib Bahtiar, Usman Ika Kartika Ilyasa, Reza Irfansyah, Ananda Ivanov, Nikita Jati Kusuma, Fathurrochman Jayawarsa, A.A. Ketut Julianingsih, Dwi Kanivia, Aan Kartika, Viar Dwi Kitriawati, Kitriawati Kurniawan, Satria Wahyu Kusnadi Leni Agustin, Leni Lia Dahlia, Lia Loka, Diah Pita Maharani, Silvia Mansyur, Asep Abdul Maratis, Jerry Marsani Asfi Martinez, Daniel Mehta, Silpha Melly Amalia Mita, Shella Muhammad Hatta Muhammad Hatta Muhammad Ibrahim Muhammad Kahfi, Muhammad Mulyasari, Hany Mulyasari, Hany Nakeisha Wahyudi, Nayla Nas, Chairun Nuche, Asher Nur'Faradila, Dellatia Ayu Nurhajijah, Sitta Nurpatimah, Suci Oktaviani, Adelia Oktaviani, Priti Parameswari Pramuwardhani, Andita Sri Parman, Suhadi Petrus Sokibi, Petrus Putra, Dwi Pasha Anggara Putri, Tiara Eka Rahadi, Dwi Meldiansyah Rahmanhadi, Dimas Ramadhan, Abdan Syakur Ramirez, Santiago Renaldi, Refan Rifqi Khosyi, Muhammad Runa, Yohanes Michael Fouk Sahputra, Illal Dwi Saiful Hadi, Muhammad Sari, Maya Permata Savitri, Agnes Novalita Septiani, Willy Eka Setiawan, Sandy Solihah, Yuni Awalaturrohmah Solikhah, Mar'atus Sri Watini Susanto, Ivan Sutrisna Suwandi Suwandi Tiomas Simorangkir, Naomi Trivena, Stephani Turini, Turini Unang Solihin Valentino, Fernando Wicaksono, Freddy Wijaya, Cintya Fransisca Wijaya, Samuel Winurcahyono, Alexander Wirjawan, Tri Wahyu