<![CDATA[Employee cooperatives often allocate limited lending funds among applicants with heterogeneous administrative and financial characteristics, creating a need for transparent and reproducible prioritization. This study developed a web-based Decision Support System (DSS) using the Simple Multi-Attribute Rating Technique (SMART) to prioritize loan applications at the Hotel Kristal Jakarta Employee Cooperative. Fourteen applicants were evaluated using five criteria: application date, queue order, outstanding liabilities, years of service, and base salary, with normalized weights of 0.20, 0.15, 0.25, 0.15, and 0.25, respectively. The first three criteria were modeled as cost attributes and the latter two as benefit attributes. The system transformed raw observations into utility values, aggregated weighted scores, ranked applicants, and assigned Priority status to the top three alternatives. The results identified A2, A1, and A10 as the highest-ranked applicants, with SMART scores of 0.7147, 0.6820, and 0.6423, respectively. Computational validation yielded a mean absolute error of 1.995 × 10⁻⁵ between system-generated and independently recalculated scores. Sensitivity analysis across 20 one-at-a-time weight-perturbation scenarios from −20% to +20% produced Spearman correlations of 0.9648–1.0000 and preserved the same top-three group. These findings indicate that the proposed DSS provides consistent and interpretable loan prioritization under the tested weighting conditions while retaining managerial authority over final approval. However, the evidence is limited to one cooperative and 14 applications, so the demonstrated robustness should not be generalized beyond this decision setting without further external empirical validation.]]>
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