skip to main content

Algoritma Naive Bayes, Decision Tree, dan SVM untuk Klasifikasi Persetujuan Pembiayaan Nasabah Koperasi Syariah

Naïve Bayes, Decision Tree, and SVM Algorithm for Classification of Sharia Cooperative Customer Financing Approval

Master of Computer Science, STMIK Nusa Mandiri Jakarta, Indonesia

Received: 16 Jan 2019; Revised: 26 Apr 2019; Accepted: 29 Apr 2019; Available online: 16 Jul 2019; Published: 30 Apr 2019.
Open Access Copyright (c) 2019 Jurnal Teknologi dan Sistem Komputer
Creative Commons License This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Citation Format:
Abstract
The decision on financing approval in sharia cooperatives has a high risk of the inability of customers to pay their credit obligations at maturity or referred to as bad credit. To maintain and minimize risk, an accurate method is needed to determine the financing agreement. The purpose of this study is to classify sharia cooperative loan history data using the Naïve Bayes algorithm, Decision Tree and SVM to predict the credibility of future customers. The results showed the accuracy of Naïve Bayes algorithm 77.29%, Decision Tree 89.02% and the highest Support Vector Machine (SVM) 89.86%.
Keywords: data mining; Naive Bayes; Decision Tree; SVM; credit financing
Funding: STMIK Nusa Mandiri Jakarta

Article Metrics:

  1. R. A. Saraswati, “Peranan Analisis Laporan Keuangan, Penilaian Prinsip 5c Calon Debitur dan Pengawasan Kredit Terhadap Kreatifitas Pemberian Kredit,” Jurnal Nominal, vol. I, no. 1, pp. 1–13, 2012
  2. N. Liu, E. J. Xia, and L. Yang, “Research and Application Of Pso-Bp Neural Networks in Credit Risk Assessment,” in 2010 International Symposium on Computational Intelligence and Design, Hangzhou, China, 2010, pp. 103-106
  3. S. A. Subekti, L. Linawati, and A. Setiawan, “Penggunaan Metode Fuzzy Mamdani untuk Membuat Keputusan Dalam Analisis Kredit,” in Seminar Nasional Matematika dan Pendidikan Matematika, Yogyakarta, Indonesia, 2013, pp. 232-238
  4. M. Sudhakar and C. V. K. Reddy, “Two Step Credit Risk Assessment Model for Retail Bank Loan Applications Using Decision Tree Data Mining Technique,” International Journal of Advanced Research in Computer Engineering & Technology, vol. 5, no. 3, pp. 705–718, 2016
  5. H. Jiawei, M. Kamber, J. Han, M. Kamber, and J. Pei, Data Mining: Concepts and Techniques. 2012
  6. S. Masripah, “Komparasi Algoritma Klasifikasi Data Mining untuk Evaluasi Pemberian Kredit,” Bina Insani ICT Journal, vol. 3, no. 1, pp. 187–193, 2016
  7. J. Manurung, H. Mawengkang, and E. Zamzami, “Optimizing Support Vector Machine Parameters with Genetic Algorithm for Credit Risk Assessment,” Journal of Physics: Conference Series, vol. 930, no. 1, 2017
  8. T. T. Chasanah and M. A. Al Karomi, “Sistem Pendukung Keputusan Persetujuan Kredit dengan Pemanfaatan Information Gain untuk Pembobotan Atribut Klasifikasi K-Nearest Neighbour,” Jurnal Ilmiah ICTech, vol. 12, no. 2, pp. 14–19, 2017
  9. M. Hasan, “Prediksi Tingkat Kelancaran Pembayaran Kredit Bank Menggunakan Algoritma Naive Bayes Berbasis Berbasis Forward Selection,” ILKOM Jurnal Ilmiah, vol. 9, no. 3, pp. 317–324, 2017
  10. H. Yu, X. Huang, X. Hu, and H. Cai, “A Comparative Study on Data Mining Algorithms for Individual Credit Risk Evaluation,” in 2010 International Conference on Management of e-Commerce and e-Government, Chengdu, China, Oct. 2010, pp. 35–38
  11. M. North, Data Mining for the Masses. Global Text, 2012
  12. Nurajijah, D. Riana, “Dataset Pembiayaan”, Repository Nusamandiri, 30 April 2019, [Online]. Available: https://repository.nusamandiri.ac.id/index.php/repo/viewitem/18584

Last update:

  1. The Comparison of Classification of Stress Level Related to Student's Menstrual Cycle Irregularities with Support Vector Machine and Decision Tree Algorithm

    Helena Nooraini, Umi Salamah, Heri Prasetyo. 2022 5th International Conference on Information and Communications Technology (ICOIACT), 2022. doi: 10.1109/ICOIACT55506.2022.9972141
  2. Naive Bayes classifier optimization for text classification on e-government using particle swarm optimization

    Kuncahyo Setyo Nugroho, Istiadi Istiadi, Fitri Marisa. Jurnal Teknologi dan Sistem Komputer, 8 (1), 2020. doi: 10.14710/jtsiskom.8.1.2020.21-26
  3. Maturity classification of cacao through spectrogram and convolutional neural network

    Gilbert E. Bueno, Kristine A. Valenzuela, Edwin R. Arboleda. Jurnal Teknologi dan Sistem Komputer, 8 (3), 2020. doi: 10.14710/jtsiskom.2020.13733
  4. Optimization of Decision Tree with PSO on Sharia Cooperative Customer Funding

    Eka Rahmawati, Candra Agustina. Journal of Physics: Conference Series, 1641 (1), 2020. doi: 10.1088/1742-6596/1641/1/012022
  5. Comparative analysis of classification models in predicting e-learning graduation

    Gita Cahyani Lestari, Sri Supatmi. PROCEEDINGS OF THE 37TH INTERNATIONAL CONFERENCE OF THE POLYMER PROCESSING SOCIETY (PPS-37), 2884 , 2023. doi: 10.1063/5.0176474
  6. Approval of Sharia Cooperative Customer Financing Using PSO-Based SVM Classification Algorithm

    Nurajijah, Fachri Amsury, Irwansyah Saputra, Frieyadie, Daning Nur Sulistyowati, Bakhtiar Rifai. Journal of Physics: Conference Series, 1641 (1), 2020. doi: 10.1088/1742-6596/1641/1/012047
  7. K-means-SMOTE for handling class imbalance in the classification of diabetes with C4.5, SVM, and naive Bayes

    Hairani Hairani, Khurniawan Eko Saputro, Sofiansyah Fadli. Jurnal Teknologi dan Sistem Komputer, 8 (2), 2020. doi: 10.14710/jtsiskom.8.2.2020.89-93
  8. Watermelon ripeness detector using near infrared spectroscopy

    Edwin R. Arboleda, Kimberly M. Parazo, Christle M. Pareja. Jurnal Teknologi dan Sistem Komputer, 8 (4), 2020. doi: 10.14710/jtsiskom.2020.13744
  9. Comparison of the histogram of oriented gradient, GLCM, and shape feature extraction methods for breast cancer classification using SVM

    Hanimatim Mu'jizah, Dian Candra Rini Novitasari. Jurnal Teknologi dan Sistem Komputer, 9 (3), 2021. doi: 10.14710/jtsiskom.2021.14104
  10. Credit Risk Prediction System For MSME Loan Process

    Ignasius Kenny Bagus Purwadi, Adhi Wirahardi, Andrew Franico Hutasoit, Tuga Mauritsius. 2023 International Conference on Information Management and Technology (ICIMTech), 2023. doi: 10.1109/ICIMTech59029.2023.10277810

Last update: 2024-03-28 12:58:52

No citation recorded.