Comparison of C4.5 and C5.0 Methods for Classification of Bad Credit and Good Credit

Bonta Zirviera Cirgon (Institute Business and Multimedia ASMI)

Formosa Journal of Science and Technology (FJST)
Vol. 4 No. 2 (2025): February 2025

PT. BZC is a startup company engaged in Fintech urging on online loans. Since the last 2 years from 2016 to 2018 PT. BZC increased compared to those who added bad loans every year. This is due to better credit analysis than repairs that increase bad loans. The suitable method for overcoming this problem is based on a literature review that is using the C4.5 and C5.0 classification methods. Therefore, it is necessary to do the C4.5 and C5.0 methods first in this study so that it can know which method is the best. The results of the development of the model using this method obtained C4.5 method reached 99% and the accuracy rate of C5.0 method reached 100%.