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K-Means Clustering Method to Make Credit Payment Groupinhg Efficient Siti Nur Illah; Nana Suarna; Irfan Ali; Dodi Solihudin
Journal of Artificial Intelligence and Engineering Applications (JAIEA) Vol. 4 No. 2 (2025): February 2025
Publisher : Yayasan Kita Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59934/jaiea.v4i2.815

Abstract

Credit payment management is one of the main challenges in the financial sector, especially in grouping customers based on risk and payment patterns. This study aims to evaluate the K-Means Clustering method in improving the efficiency of credit payment data clustering. The dataset used includes information on payment history, loan amount, tenor, and credit status from financial institutions. The research approach involves data processing stages, application of the K-Means algorithm, and evaluation of results using the Davies-Bouldin Index and Silhouette Score metrics. The results of the analysis show that the K-Means method is effective in identifying customer payment patterns and dividing them into three main clusters: high, medium, and low risk. In addition, this study found that determining the optimal number of clusters using the Elbow Method can improve the accuracy of the clustering results. The resulting model makes a significant contribution to credit risk management, helping financial institutions make strategic decisions related to credit policies and risk mitigation. This study offers practical implications, including increased operational efficiency and predictive ability against potential bad debts. Further studies are recommended to integrate this method with other algorithms to improve the performance of large-scale data analysis.
Peningkatan Layanan RT Melalui Sistem Informasi Administrasi Berbasis Web Dodi Solihudin; Edi Tohidi; Abi Fajar Ahmad Fauzi; Ade Valentino
AMMA : Jurnal Pengabdian Masyarakat Vol. 1 No. 03 (2022): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

Administrative services at the neighborhood level (Rukun Tetangga/RT) are an essential component in supporting good governance within communities. However, in practice, these services are still frequently managed manually, leading to various issues such as service delays, data entry errors, and inefficiencies in documentation. This Community Service Program (PKM) aims to design and implement a web-based neighborhood administrative information system to assist RT administrators in delivering faster, more accurate, and transparent services to residents. The implementation methods include needs assessment, system design, software development, as well as training and technical assistance for both administrators and residents. The system is developed using web-based technologies (PHP, MySQL, and HTML/CSS), allowing access via computers or smartphones. Key features of the system include resident data management, automated issuance and printing of official letters, archive management, and financial and activity reporting. The implementation results indicate a significant improvement in the efficiency of RT administrative services. RT administrators are no longer burdened with manual record-keeping, and residents can access services independently from their homes. Moreover, the system supports administrative transparency, as all activities are digitally recorded and easily traceable. This program has a positive impact on digital literacy among residents and strengthens the integration of information technology with public services at the micro community level. In the future, the system is expected to be replicated in other RTs as a community-based digital transformation solution.
Optimalisasi Penggunaan Aplikasi Digital Payment bagi Pedagang Pasar Tradisional Fatihanursari Dikananda; Dodi Solihudin; Anjar Ayuning Lestari; Athhar Hafizha Luthfi
AMMA : Jurnal Pengabdian Masyarakat Vol. 1 No. 04 (2022): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

This Community Partnership Program aims to optimize the use of digital payment applications among traditional market traders. Activities include education on the benefits of digital payment, training on application usage, and assistance in non-cash transactions. This program is expected to increase transaction efficiency, security, and financial accessibility for traders, while also promoting financial inclusion in traditional markets.