Sistem Rekomendasi Pemberian Kredit : Solusi SMART (Simple Multiple Attribute Rating Technique) untuk Perusahaan Multifinance


  • Rachman Arief * Mail Institut Teknologi Adhi Tama Surabaya, Surabaya, Indonesia
  • Paniel Yose Yanwin Marbun Institut Teknologi Adhi Tama Surabaya, Surabaya, Indonesia
  • (*) Corresponding Author
Keywords: DSS; SMART; Credit; Financing; Multifinance

Abstract

Providing credit is one of the services provided by the WOM Finance company for financing motorbike units. When applying for credit, selection must be carried out to select good prospective customers so that there is no risk of congestion in the payment process later. In the selection process, the company takes up to three days to approve credit funds. The selection process carried out by the company currently still uses manual methods with Ms.Excel to compare data where the data will be analyzed and considered by the marketing team manually. There are several stages when applying for credit, customers who apply for credit funds will not be immediately accepted and disbursed, because each prospective customer must meet several criteria so that their application for credit funds can be approved. In this case, the author concludes that he will create a decision support system using the website-based Simple Multiple Attribute Rating Technique (SMART) method as a solution to speed up the process of providing credit funds, as well as making it easier for marketing parties in the selection process. This multi-attribute technique is used to support decision makers in choosing between several alternatives that have been ranked. Of the 5 alternative data used in the calculation, rank 1 with alternative code A3 produces a final score of 30.67 and is worthy of being recommended for credit. Based on tests carried out 20 times by comparing the results of the sales marketing survey recommendations with the results of the system recommendations, the results were obtained 20 times in accordance with an accuracy level of 100%. So it can be concluded that this system can run well in carrying out the process of ranking or selecting prospective motorbike cash credit customers.

Downloads

Download data is not yet available.

References

Q. Qarina, A. Asrahmaulyana, H. Arif, and S. F. Syam, “Peranan Lembaga Pembiayaan dalam Penyaluran Kredit Sepeda Motor di Kota Makassar,” Bull. Econ. Stud. BEST, vol. 2, no. 3, pp. 148–156, 2022, doi: 10.24252/best.v2i3.35346.

K. J. Sutessia, “Pengaruh Free Gift, Cash Back, Dan Reward Terhadap Keputusan Pembelian Kendaraan Bermotor Pada Perusahaan Leasing (Studi Kasus PT. Wahana Ottomitra Multiartha Tbk),” EMaBi Ekon. Dan Manaj. Bisnis, vol. 1, no. 2, Art. no. 2, Jun. 2022.

B. S. Juniar, J. Johannes, and S. Indrawijaya, “Pengaruh atribut produk dan layanan lembaga pembiayaan terhadap keputusan pembelian sepeda motor Honda Vario di Kota Jambi,” J. Din. Manaj., vol. 7, no. 3, Art. no. 3, Dec. 2019, doi: 10.22437/jdm.v8i3.16875.

F. Firdaus, A. Saputra, and D. E. Putri, “Pengembangan Sistem Informasi Pengajuan Kredit Berbasis Website,” Innov. J. Soc. Sci. Res., vol. 4, no. 3, Art. no. 3, Jun. 2024, doi: 10.31004/innovative.v4i3.12708.

R. M. Tampubolon, M. Marsono, and D. Rahmadiansyah, “Sistem Pendukung Keputusan Untuk Menentukan Kelayakan Pengajuan Kredit Rumah Bersubsidi Dengan Metode SMART (Simple Multi Attribut Rating Tecnique) di Perumahan Jewel Residence,” J. Cyber Tech, vol. 3, no. 5, Art. no. 5, May 2020, doi: 10.53513/jct.v3i5.4380.

G. W. Afani, K. Auliasari, and R. P. Prasetya, “PENERAPAN METODE SIMPLE MULTI ATTRIBUTE RATING TECHNIQUE UNTUK PENENTUAN PENERIMA KREDIT KOPERASI,” JATI J. Mhs. Tek. Inform., vol. 4, no. 1, Art. no. 1, Aug. 2020, doi: 10.36040/jati.v4i1.2313.

F. Wicaksono, D. Novianti, and R. Ramadhan, “PERANCANGAN APLIKASI KREDIT KENDARAAN BERBASIS WEB MENGGUNAKAN LARAVEL,” INTI TALAFA, vol. 14, no. 1, Art. no. 1, Jun. 2022, doi: 10.32534/int.v14i1.3158.

L. Asyriati Latif, M. Jamil, and S. Hi Abbas, Buku Ajar: Sistem Pendukung Keputusan Teori dan Implementasi. Deepublish, 2018.

J. Hukom and A. Sidiq Purnomo, “Sistem Penunjang Keputusan Kelayakan Kredit Motor di PT. Adira Kota Sorong Dengan SAW”, simkom, vol. 9, no. 1, Feb. 2024, doi: 10.51717/simkom.v9i1.376

Y. P.K.Kelen and S. S. Manek, “Sistem Pendukung Keputusan Pemberian Kredit Sepeda Motor Menggunakan Metode Simple Additive Weighting (SAW) Pada PT. NSS Cabang Kefamenanu,” J. Ilm. Ilmu Komput. Fak. Ilmu Komput. Univ. Al Asyariah Mandar, vol. 5, no. 2, Art. no. 2, Sep. 2019, doi: 10.35329/jiik.v5i2.96.

L. I. Prahartiwi and N. Fatimah, “Sistem Pendukung Keputusan Pemberian Kredit pada Koperasi Karyawan Aneka Pangan Nusantara Menggunakan Metode SAW,” J. Tek. Komput., vol. 9, no. 1, Art. no. 1, Jan. 2023, doi: 10.31294/jtk.v9i1.14085.

R. D. Riyanto and M. Yunus, “Sistem Pendukung Keputusan Pemberian Kredit Berbasis Web Menggunakan Kombinasi Metode Analytical Hierarchy Process (AHP) dan Simple Additive Weighting (SAW),” J. Manaj. Inform. JAMIKA, vol. 11, no. 2, pp. 102–117, Oct. 2021, doi: 10.34010/jamika.v11i2.4936.

D. Indra Gunawan, D. Adhar, and A. Hendra Azhar, Metode sistem pendukung keputusan : teori dan studi kasus. CV. Adanu Abimata, 2023.

M. Megawaty and M. Ulfa, “Decision Support System Methods: A Review,” J. Inf. Syst. Inform., vol. 2, no. 1, Art. no. 1, Mar. 2020, doi: 10.33557/journalisi.v2i1.63.

“Peraturan Bank Indonesia tentang Pemberian Kredit atau Pembiayaan oleh Bank Umum dan Bantuan Teknis dalam Rangka Pengembangan Usaha Mikro, Kecil, dan Menengah.” Accessed: Nov. 02, 2024. [Online]. Available: https://www.ojk.go.id/id/regulasi/Pages/PBI-tentang-Pemberian-Kredit-atau-Pembiayaan-oleh-Bank-Umum-dan-Bantuan-Teknis-dalam-Rangka-Pengembangan-Usaha-.aspx

G. Daruhadi and P. Sopiati, “Pengumpulan Data Penelitian,” J-CEKI J. Cendekia Ilm., vol. 3, no. 5, pp. 5423–5443, Aug. 2024, doi: 10.56799/jceki.v3i5.5181.

H. Hendri, J. W. H. Manurung, R. A. Ferian, W. F. Hanaatmoko, and Y. Yulianti, “Pengujian Black Box pada Aplikasi Sistem Informasi Pengelolaan Masjid Menggunakan Teknik Equivalence Partitions,” J. Teknol. Sist. Inf. Dan Apl., vol. 3, no. 2, Art. no. 2, Apr. 2020.

M. D. Irawan, Sistem Pendukung Keputusan Metode Simple Multi-Attribute Rating Technique (SMART) dan BORDA. CV WIDINA MEDIA UTAMA, 2023.

M. Gahagho, J. Sondakh, H. Bawole, K. Pontoh, D. Soeikromo, and M. M. M. Setlight, “Tanggung Jawab Bank Indonesia terhadap Penerapan Sistem Bank Indonesia Checking atas Nasabah yang telah Lunas Kredit,” J. Tana Mana, vol. 4, no. 1, Art. no. 1, Jun. 2023, doi: 10.33648/jtm.v4i1.359.

A. Ibrahim and S. Widaningsih, “Pengambilan Keputusan Pemberian Kredit Dengan Menggunakan Metode Multi Factor Evaluation Process,” Pros. Semin. Nas. Tek. Univ. SURYAKANCANA, vol. 1, no. 0, Art. no. 0, Jul. 2023.

F. I. Sucianty and G. S. Manda, “Analisis Manajemen Risiko Kredit Usaha (KUR) Untuk Meminimalkan Kredit Bermasalah,” J. Ilm. Wahana Pendidik., vol. 8, no. 24, Art. no. 24, Dec. 2022, doi: 10.5281/zenodo.7460372.

N. Siregar, H. A. Dwisani, and A. Jenifer, “Penetapan Batas Maksimal Bunga Pinjaman Pemegang Saham kepada Entitas Anak Perusahaan berbentuk Emiten atau Perusahaan Publik,” J. Syntax Admiration, vol. 5, no. 11, pp. 5073–5084, Nov. 2024, doi: 10.46799/jsa.v5i11.1843.

Nurbeti, “Analisis Penetapan Angsuran Kredit Pemilikan Rumah (KPR) Menggunakan Metode Anuitas Pada PT Bank Mandiri (Persero) Tbk,” SKYLANDSEA Prof. J. Ekon. Bisnis Dan Teknol., vol. 3, no. 2, Art. no. 2, Jul. 2023.

I. Zulfa and R. Wanda, “Rancangan Sistem Informasi Akademik Berbasis Website Menggunakan PHP dan MySQL,” KLIK Kaji. Ilm. Inform. Dan Komput., vol. 3, no. 4, Art. no. 4, Feb. 2023, doi: 10.30865/klik.v3i4.617.

N. Heriyani, R. Taufik, R. S. Septarini, and R. T. Permana, “RANCANG BANGUN APLIKASI SISTEM PENDUKUNG KEPUTUSAN PEMBERIAN PEMBIAYAAN KREDIT DI PT. CIMB NIAGA FINANCE,” J. Tek., vol. 11, no. 1, Art. no. 1, Feb. 2022, doi: 10.31000/jt.v11i1.5476.


Bila bermanfaat silahkan share artikel ini

Berikan Komentar Anda terhadap artikel Sistem Rekomendasi Pemberian Kredit : Solusi SMART (Simple Multiple Attribute Rating Technique) untuk Perusahaan Multifinance

Dimensions Badge
Article History
Submitted: 2024-09-09
Published: 2024-11-30
Abstract View: 28 times
PDF Download: 30 times
Section
Articles