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INDONESIA
Indonesian Journal of Computer Science and Engineering
Published by CV. Cendekiawan Muda Sriwijaya
ISSN : 30629497     EISSN : 30629519     DOI : https://doi.org/10.70656/ijcse.v1i02
Core Subject : Science, Engineering,
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Electrical & Electronics Engineering Engineering
1. Artificial Intelligence and computer application 2. Data science, statistics and analytics 3. Information system 4. Geospatial and image processing 5. Computer networking and security 6. Engineering 7. Electrical and instrument aplication 8. Quantum and physic modelling 9. Education technology and implementation
Arjuna Subject : Ilmu Komputer (semua kategori) - Sistem Informasi
Articles 31 Documents
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Segmentation of Problematic Loan Customers Using The K-Means Clustering Algorithm to Support Strategic Decision-Making (Case Study: Bank Mega Finance Bengkulu) Novrian, Willi; Afriani, Annisa; Sari, Julia Purnama; Putra, Yusran Panca
Indonesian Journal of Computer Science and Engineering Vol. 2 No. 01 (2025): IJCSE Volume 02 Number 02, November 2025
Publisher : CV. Cendekiawan Muda Sriwijaya

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Abstract

This study analyzes 5,305 records of non-performing loan customers from Bank Mega Finance Bengkulu using the K-Means Clustering algorithm within the CRISP-DM framework. Based on variables such as tenure, outstanding balance, installment amount, and payment delay duration, the analysis identified three customer risk clusters (high, medium, and low) with a Davies-Bouldin Index (DBI) of 0.201, indicating good clustering quality. The segmentation results can help determine collection priorities, loan restructuring, and risk mitigation strategies, demonstrating the effectiveness of data mining in supporting strategic decision-making in banking risk management.

Page 4 of 4 | Total Record : 31

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