Didaktik : Jurnal Ilmiah PGSD STKIP Subang
Vol. 12 No. 3 (2026): Volume 12 No. 3, September 2026 Release

PENERAPAN METODE RANDOM FOREST DALAM SISTEM PENDUKUNG KEPUTUSAN KELAYAKAN KREDIT PADA PEGADAIAN DI KOTA BEKASI

Kristina Natalia bebe Mbupu (Universitas Panca Sakti Bekasi)
Sri Wahyuni (Universitas Panca Sakti Bekasi)
M Andres (Universitas Panca Sakti Bekasi)



Article Info

Publish Date
20 Sep 2026

Abstract

This study aims to design and develop a web-based Decision Support System using the Random Forest algorithm to classify credit feasibility in the context of Pegadaian in Bekasi City into Feasible and Not Feasible categories. A quantitative approach with an applied experiment was used on a simulated dataset of 1,501 records. The dataset consisted of seven features: income, occupation, age, collateral type, collateral value, loan amount, and loan term. The data were split into 1,200 training records and 301 testing records using an 80:20 ratio. The model was developed using Python and scikit-learn with 100 decision trees, then integrated into a web application using PHP, MySQL, and a Flask service. Evaluation used a confusion matrix, accuracy, precision, recall, F1-score, AUC-ROC, and feature importance. The results obtained 84.4% accuracy, 85.7% precision, 92.8% recall, 89.1% F1-score, and 88.0% AUC-ROC. Income had the highest relative contribution to the model predictions. The results indicate that Random Forest can be implemented as a data-driven tool for credit feasibility classification. However, because the study used a simulated dataset, final decisions still require verification and officer consideration.

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Journal Info

Abbrev

didaktik

Publisher

Subject

Education

Description

Didaktik : Jurnal Ilmiah PGSD STKIP Subang adalah salah satu jurnal yang dterbitkan oleh STKIP Subang, jurnal ini mempunyai bidang cakupan yaitu Penelitian Pendidikan. Terbit pada bulan Juni dan Desember setiap tahunnya. Didaktik : Jurnal Ilmiah PGSD STKIP Subang melalui proses review oleh dua ...