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All Journal International Journal of Electrical and Computer Engineering IJCCS (Indonesian Journal of Computing and Cybernetics Systems) Jurnal Teknologi Informasi dan Ilmu Komputer Journal of ICT Research and Applications Seminar Nasional Informatika (SEMNASIF) Jurnal Teknologi dan Sistem Komputer Knowledge Engineering and Data Science JIKO (Jurnal Informatika dan Komputer) Jurnal TAM (Technology Acceptance Model) ILKOM Jurnal Ilmiah IJID (International Journal on Informatics for Development) JURIKOM (Jurnal Riset Komputer) ILKOMNIKA: Journal of Computer Science and Applied Informatics Jurnal E-Komtek JOURNAL OF INFORMATION SYSTEM RESEARCH (JOSH) Journal of Applied Data Sciences Jurnal FASILKOM (teknologi inFormASi dan ILmu KOMputer) Jurnal Pendidikan dan Teknologi Indonesia Jurnal Indonesia : Manajemen Informatika dan Komunikasi Journal of Informatics and Communication Technology (JICT) Journal of Engineering, Electrical and Informatics (JEEI) Konstelasi: Konvergensi Teknologi dan Sistem Informasi Malcom: Indonesian Journal of Machine Learning and Computer Science Journal of Scientific Research, Education, and Technology SmartComp Journal of Technology Informatics and Engineering Jurnal Indonesia : Manajemen Informatika dan Komunikasi The Indonesian Journal of Computer Science Journal of Informatics and Communication Technology (JICT) Jurnal TAM (Technology Acceptance Model) Jurnal Abdi Rakyat Journal of Engineering, Electrical and Informatics
Enny Itje Sela
Master Program Of Information Technology, Universitas Teknologi Yogyakarta, Jl. Siliwangi (Ringroad Utara), Jombor, Sleman, D.I. Yogyakarta 55285|Universitas Teknologi Yogyakarta
Religion Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Library & Information Science Mathematics Social Sciences Other

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Journal : Knowledge Engineering and Data Science

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Debtor Eligibility Prediction Using Deep Learning with Chatbot-Based Testing Noviania, Reski; Sela, Enny Itje; Latumakulita, Luther Alexander; Sentinuwo, Steven R.
Knowledge Engineering and Data Science Vol 7, No 2 (2024)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um018v7i22024p128-138

Abstract

Predicting debtor eligibility is essential for effective risk management and minimizing bad credit risks. However, financial institutions face challenges such as imbalanced data, inefficient feature selection, and limited user accessibility. This study combines Recursive Feature Elimination (RFE) and Deep Learning (DL) to improve prediction accuracy and integrates a chatbot interface for user-friendly testing. RFE effectively identifies critical features, while the DL model achieves a validation accuracy of 97.62%, surpassing previous studies with less comprehensive methodologies. The chatbot's novel design not only ensures accessibility but also enhances user engagement through flexible input options, such as approximate values, enabling non-experts to interact seamlessly with the system. For financial institutions, this chatbot-based testing approach offers practical benefits by streamlining debtor evaluation processes, reducing dependency on manual assessments, and providing consistent, scalable, and efficient solutions for credit risk management. It allows institutions to handle inquiries outside business hours, ensuring a continuous service flow. Furthermore, the system’s flexibility supports better customer interaction, increasing trust and transparency. By combining advanced machine learning with accessible interfaces, this study offers a scalable solution to improve the precision and practicality of debtor eligibility assessments, making it a valuable tool for modern financial institutions.
Co-Authors Adidarma, Muhamad Bahru Agus Ardiyanto Agus Ardiyanto Agus Harjoko Agus Harjoko AKBAR MAULANA Akbar, Riolandi Algadrie, Saniah Evatri Alhafiz, Amirrul Dafa Anggara, Afwan Anindita Septiarini, Anindita Apriyaldi Lukman Ari Hendrawan Arif Amrulloh Asep Zainal Alfarizi Briyan Efflin Syahputra Edi Priyanto Fatah Nur Saifullah Fathul Am Fathul Am Ferryma Arba Apriansyah Ganda Sinarna Hendrawan, Ari Idham Kholed Rachmawan Julian Ega Prabowo Luther Alexander Latumakulita Luther Latumakulita M Ihsan Munakhir Mudjosemedi Nathaniela Aptanta Parama Noourul Islam Noviania, Reski Nugroho, Faishal Tirto Nur Wening, Nur Olwin Kirab Novaldy Prawirdani, Adil Rachmawan, Idham Kholed Retantyo Wardoyo Rianto Rianto Risky Devandra Hartana Saucha Diwandari Senoaji, Muhammad Senoaji Wibowo Sri Hartati Steven Ray Sentinuwo Syahrul Gunawan Ramdhani Syamsu Windarti Totok Suprawoto Triwibowo, Muhammad Ilham Tundo, Tundo Utami, Wahyu Sri