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All Journal International Journal of Educational Review, Law And Social Sciences (IJERLAS)
Hardiansyah
Universitas Sumatera Utara
Religion Humanities Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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CREDIT MANAGEMENT ANALYSIS TO PREDICT EARLY NON-PERFORMING LOANS AT PT. BANK NEGARA INDONESIA (PERSERO) TBK Hardiansyah; Nazaruddin; Muhammad Anggia Muchtar
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 4 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i4.3615

Abstract

The purpose of this study is to improve credit quality in designing a customer loan default prediction system so that it can reduce the possibility of huge losses in banking in order to produce a model that has high accuracy and recall rate at PT. Bank Negara Indonesia (Persero) Tbk. The entire population in this study was sampled as many as 467 customers. Using the random forest method, the results obtained are: 1) descriptive analysis shows that the variables of customer credit history, payment ratio, age, collateral value, and affiliate balances influence the occurrence of bad debt, 2) the prediction model identifies patterns of customers at risk of bad debt, 3) the application of the credit model appropriately can reduce the level of bad debt.
Co-Authors Muhammad Anggia Muchtar Nazaruddin