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Dito Putro Utomo
Politeknik Negeri Medan, Medan
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Journal : Journal Global Technology Computer

 1 
Penerapan Algoritma Decision Tree Data Mining untuk Prediksi Pola Pemberian Kredit pada Koperasi Simpan Pinjam Ginting, Winda Widia Br; Sitepu, Harun Rivaldo; Nainggolan, Laksono; Purba, Andrean Saputra; Surbakti, Asprina Br; Utomo, Dito Putro
Journal Global Technology Computer Vol 4 No 3 (2025): Agustus 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jogtc.v4i3.8336

Abstract

Savings and Loan Cooperatives (KSP) play a crucial role in providing access to financing for the public, particularly in underbanked areas. However, lending through KSPs often faces challenges related to the accuracy of creditworthiness assessments, which largely rely on subjective assessments and manual procedures, resulting in the risk of non-performing loans. This study aims to develop a creditworthiness prediction model using the Decision Tree algorithm to improve the accuracy and efficiency of the credit decision-making process. The Decision Tree algorithm was chosen for its ability to classify customers based on historical data in a manner that is easy to understand and interpret. In this study, customer data, including attributes such as Borrower Credit History, Financial Status, Income Amount, Employment Status, and Loan Amount, was used to construct a decision tree. The results showed that the Decision Tree model achieved an accuracy of 86.67%, indicating its effectiveness in predicting creditworthiness and its reliability in supporting credit granting decisions in savings and loan cooperatives. This research contributes to reducing the risk of non-performing loans and improving the efficiency of decision-making in savings and loan cooperatives through the application of data mining techniques based on historical customer data analysis.
Co-Authors A M Hatuaon Sihite Abdul Karim Ade Ambarwati Br Ginting Aminuddin Aziz Annisa Apriliani Annisa Fadillah Siregar Annisah Annisah Asprina Br Surbakti, Asprina Br Atira Nabila Azlan, Azlan Bernadus Gunawan Sudarsono Bister Purba Boby Septia Pranata Butar Butar, Roi Martin Cici Alfiani Pradika Dita Dewi Maulida Sari Tanjung Dwi Asdini Efori Buulolo Eka Pratiwi Sumantri Faisal Amir Feby Ronauli Lubis, Eka Fince Tinus Waruwu Firman Telaumbanua Ginting, Winda Widia Br Guidio Leonarde Ginting Guidio Leonarde Ginting Hasibuan, Nelly Astuty Hendrikus Daely Ida Rizky Nasution Ihsan Ihsan Ilham Mubarik Ilham, Safarul Imam Saputra Imam Saputra Indini, Dwina Pri Irfan Nainggolan Iskandar Zulkarnain Johanes Mario Purba Keke Annisa Siregar Kurnia Ulfa M Mesran Manik, Lastri Meiliyani Br Ginting, Meiliyani Br Mesran, Mesran Miftahul Khairat Miko Putra Haposan Tinambunan Muhammad Syahrizal Murdani Murdani, Murdani Nainggolan, Dian Wichita Nainggolan, Laksono Nasib Marbun Nasib Sihombing Nastiti, Sindy Nelly Astuti Hasibuan Nona Oktari Noveriang Ndruru Novida Sari, Sri Nurjannah Oktari, Nona Pitriani Piliang Purba, Andrean Saputra Purba, Bister Purba, Roulina Agape Radius Kharisman Ndruru RAHELIYA BR GINTING Raheliya Br Ginting, Raheliya Br Rahmi Danur, Surizar Rama Prameswara Ritonga Refika Ratna Dilla Rian Syahputra Rivalri Kristianto Hondro Rizqi Dwikunti Siregar, Dini Roni Yunis Russy Amelia Samueal Damanik Santri W Pasaribu Saragi, Naomi Labora Saragih, Soumi Rohmah Sarumaha, Lukas Sarwandi Wandi Sawitri Sawitri Selly Armasari Sihotang, Dahner Ismanda Bertenius Simatupang, Meylita Putri Sirait, Pahala Siregar, Tesa Aurelia Siswahyudianto Sitepu, Harun Rivaldo Soeb Aripin Suginam Suharti Suharti Sulistianingsih, Indri Surya Darma Nasution Susi Mardiana Giawa Sussolaikah, Kelik Tesa Aurelia Siregar Ulva Rizky Amanda Virdyra Tasril Yohana Br Ginting, Dewi Zahri Hubby Ramadhani