OPTIMALISASI ALGORITMA C4.5 TERHADAP METODE DECISION TREE DALAM MENENTUKAN PLAFON KREDIT NASABAH

Romindo Romindo (Universitas Pelita Harapan)
Okky Putra Barus (Universitas Pelita Harapan)
Jefri Junifer Pangaribuan (Universitas Pelita Harapan)

DEVICE
Vol 14 No 1 (2024): Mei

The most basic banking activity is collecting money and buying money from the whole society. Then sell the collected money by directing it to the community through credit or credit. However, it is often found that customers are unable to pay their receivables based on the amount of receivables which often exceeds the specified payment period. Therefore, banking companies must know the ability to pay customers by providing credit limits to avoid losses. The purpose of this study was to analyze the data using the Decision Tree method with the C4.5 Algorithm on the report data of BPR Pijer Podi Kekelengen receivables in order to determine the customer's credit ceiling. From the data obtained from the accounts receivable report, the company produces 5 attributes, namely Payments, Receivables, Transactions, Recommendations, and Ceiling where the decision label is Ceiling. After testing the report data at BPR Pijer Podi Kekelengen using the Decision Tree method with the C4.5 Algorithm, it is concluded that if the ceiling is large, the payment is not good.