Jurnal Kecerdasan Buatan dan Teknologi Informasi
Vol. 5 No. 3 (2026): September 2026 In progress.

A Web-Based Credit Financing Eligibility Determination System for Multifinance Companies Using the Fuzzy Tsukamoto Method

Al Ihsan Fauzi Ardilla (Universitas Bhayangkara Jakarta Raya)
Achmad Noe’man (Universitas Bhayangkara Jakarta Raya)
Herlawati (Universitas Bhayangkara Jakarta Raya)



Article Info

Publish Date
01 Sep 2026

Abstract

The credit eligibility analysis process in a financing company is a crucial stage inminimizing the risk of non-performing loans. However, the assessment processthat still relies on the subjective interpretation of credit analysts potentiallyleads to inconsistencies in decision-making. This issue also occurs at PTMandiri Utama Finance Bekasi Branch, which has shown a declining trend infinancing performance based on the indicators of End Net Receivables (ENR),Total Over Due (TOD), and Net Credit Loss (NCL). This study aims to designand develop a web-based decision support system that can assist in determiningcredit financing eligibility by applying the Fuzzy Tsukamoto method based onthe 5C principles (Character, Capacity, Capital, Collateral, and Condition).The research methods employed include observation, interviews, and literaturestudies. System development was carried out using the Waterfall model,comprising requirement analysis, system design, implementation, testing,deployment, and maintenance phases. The Fuzzy Tsukamoto method wasutilized to process data containing uncertainty through fuzzification, IF-THENrule-based inference, and defuzzification to generate credit eligibility scores.The expected result of this study is the creation of a web-based decisionsupport system capable of providing credit eligibility recommendations thatare more objective, consistent, and structured. Consequently, the developedsystem can assist credit analysts in the decision-making process and supportthe company’s efforts to minimize the risk of problematic financing.

Copyrights © 2026






Journal Info

Abbrev

JKBTI

Publisher

Subject

Computer Science & IT

Description

Jurnal Kecerdasan Buatan dan Teknologi Informasi or abbreviated JKBTI is a national journal published by the Ninety Media Publisher since 2022 with E-ISSN : 2964-2922 and P-ISSN : 2963-6191. JKBTI publishes articles on research results in the field of Artificial Intelligence and Information ...