This study aims to develop a predictive model for student fee payment arrears at Universitas Muhammadiyah Ahmad Dahlan Cirebon using the Random Forest algorithm. The dataset was obtained from the Academic Information System and consisted of 490 student records from four cohorts (2018–2021), which were divided into 80% training data and 20% testing data. The data processing stages included data cleaning, transformation, and feature selection using Recursive Feature Elimination (RFE). The model was optimized using GridSearchCV to obtain the best configuration. The evaluation results indicate strong performance, with an AUC of 0.980, accuracy of 88.8%, precision of 90.4%, recall of 88.8%, and an F1-score of 0.875. Feature importance analysis identified the amount of arrears variable as the most dominant factor influencing prediction outcomes. Strategic recommendations for university implementation include: (1) deploying a data-driven early warning system to identify at-risk students, (2) offering payment relief or installment programs for students with high arrears, and (3) conducting regular financial monitoring through a dashboard to support timely decision-making. Therefore, this study not only produces an effective predictive model but also provides practical solutions for improving university financial management.
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