Sistem Pendukung Keputusan Penentuan Kelayakan Nasabah Penerima Pinjaman pada Koperasi Menggunakan Metode MOORA

Gilbert Johan Martin Sinaga (Fakultas Ekonomi dan Bisnis, Universitas Riau)
William Charlie Septian Sinaga (Politeknik Bisnis Indonesia Murni Sadar)

JUSTIFY : Jurnal Sistem Informasi Ibrahimy
Vol. 5 No. 1 (2026): JUSTIFY : Jurnal Sistem Informasi Ibrahimy

Savings and loan cooperatives face challenges in determining the eligibility of loan applicants objectively, which may increase the risk of non-performing loans. This study aims to develop a decision support system for assessing the eligibility of cooperative loan applicants using the Multi-Objective Optimization on the Basis of Ratio Analysis (MOORA) method. The study utilizes secondary data from 30 applicants evaluated based on six criteria: monthly income, loan amount, credit history, loan period, collateral, and employment status. The MOORA method is applied through decision matrix construction, normalization, weighting, optimization value calculation, and alternative ranking, and is subsequently implemented in a web-based decision support system. The results indicate that the MOORA method is capable of producing objective and measurable eligibility rankings and classifying applicants into eligibility categories. The developed system can assist cooperatives in improving the accuracy and consistency of loan decision-making.