Penerapan Algoritma Decision Tree Data Mining untuk Prediksi Pola Pemberian Kredit pada Koperasi Simpan Pinjam
- Winda Widia Br Ginting Institut Teknologi dan Bisnis Indonesia, Medan, Indonesia
- Harun Rivaldo Sitepu Institut Teknologi dan Bisnis Indonesia, Medan, Indonesia
- Laksono Nainggolan Institut Teknologi dan Bisnis Indonesia, Medan, Indonesia
- Andrean Saputra Purba Institut Teknologi dan Bisnis Indonesia, Medan, Indonesia
-
Asprina Br Surbakti
*
Institut Teknologi dan Bisnis Indonesia, Medan,
Indonesia
- Dito Putro Utomo Politeknik Negeri Medan, Medan, Indonesia (*) Corresponding Author
Abstract
Savings and Loan Cooperatives (KSP) play a crucial role in providing access to financing for the public, particularly in underbanked areas. However, lending through KSPs often faces challenges related to the accuracy of creditworthiness assessments, which largely rely on subjective assessments and manual procedures, resulting in the risk of non-performing loans. This study aims to develop a creditworthiness prediction model using the Decision Tree algorithm to improve the accuracy and efficiency of the credit decision-making process. The Decision Tree algorithm was chosen for its ability to classify customers based on historical data in a manner that is easy to understand and interpret. In this study, customer data, including attributes such as Borrower Credit History, Financial Status, Income Amount, Employment Status, and Loan Amount, was used to construct a decision tree. The results showed that the Decision Tree model achieved an accuracy of 86.67%, indicating its effectiveness in predicting creditworthiness and its reliability in supporting credit granting decisions in savings and loan cooperatives. This research contributes to reducing the risk of non-performing loans and improving the efficiency of decision-making in savings and loan cooperatives through the application of data mining techniques based on historical customer data analysis.
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Copyright (c) 2025 Winda Widia Br Ginting, Harun Rivaldo Sitepu, Laksono Nainggolan, Andrean Saputra Purba, Asprina Br Surbakti, Dito Putro Utomo
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