A Decision Support System for Credit Application Eligibility Using the Naïve Bayes Method
Keywords:
Decision Support System, Customer, Naïve BayesAbstract
This study aims to build a decision support system for the feasibility of applying for credit at Bank Sumsel Babel Pagar Alam Branch using the Naïve Bayes method. This research is motivated by the high public interest in credit loans, so the submission of credit loan files that make many account officers spend a lot of time looking at the condition of prospective debtors to the field which does not necessarily meet current customer predictions. So many customers also complain because there has been no confirmation from the bank regarding the submission of their credit files. Meanwhile, in addition to surveys to the field, account officers must also prepare disbursement files for debtors who are eligible to receive credit loans. So it is considered necessary to have a system that will assist account officers in improving credit loan services with a decision support system (SPK). In this study, we will use the Naïve Bayes algorithm in predicting the eligibility of prospective debtors. This research will use the Rapid Application Development (RAD) system development method. Testing using the blackbox testing method. The result of this Skripsi is the design of a decision support system for the feasibility of applying for credit at Bank Sumsel Babel Pagar Alam Branch using the Naïve Bayes method.
References
[1] Asmira, A. (2019). Penerapan Data Mining Untuk Mengklasifikasi Pola Nasabah Menggunakan Algoritma C4. 5 Pada Bank Bri Unit Anduonohu Kendari. Router Research. https://Www.Ejournal.Stipwunaraha.Ac.Id/Index.Php/Router/Article/View/316 .
[2] Desda, M,M. (2019). Analisis Penerapan Manajemen Risiko Kredit Dalam Meminimalisir Kredit Bermasalah Pada PT. BPR Swadaya Anak Nagari Bandarejo Simpang Empat Periode 2013-2018. Mbia, 18(1). https://media.neliti.com/media/publications/279976-analisis-penerapan-manajemen-risiko-kred-40cf48b0.pdf
[3] Indriani, K., & Tanjung, Q. (2018). Sistem Pendukung Keputusan Kelayakan Kredit Motor Menggunakan Metode Naive Bayes pada NSC Finance Cikampek. JURNAL TEKNOLOGI DAN ILMU KOMPUTER PRIMA (JUTIKOMP), 1(2), 153-158. https://doi.org/10.34012/jutikomp.v1i2.204
[4] Ardana et all. (2022). Implementasi Metode SMART (Simple Multi Atribute Rating Technique) Pada Sistem Pendukung Keputusan Pemberian Kredit Pinjaman. Jurnal Media Informatika Budidarma, 6(2), 1756-1766. http://dx.doi.org/10.30865/mib.v6i3.4333
[5] Waraseno, A et all. (2021). Sistem Pendukung Keputusan Penentuan Pemberian Pinjaman Dengan Metode Perbandingan Eksponensial (MPE) Pada Koperasi XYZ. Jurnal Ilmiah Sinus, 19(1). https://p3m.sinus.ac.id/jurnal/index.php/e-jurnal_SINUS/article/view/527
[6] Zaki, M. J., & Meira, W. (2020). Data Mining and Machine Learning: Fundamental Concepts and Algorithms (2nd ed.). Cambridge University Press.
[7] Chen, M., Mao, S., & Liu, Y. (2014). Big Data: A Survey. Mobile Networks and Applications, 19(2), 171-209.
[8] Larose, D. T. (2005). Discovering Knowledge In Data: An Introduction To Data Mining. John Willey & Sons. Inc.
[9] Tarigan, P., & Wantoro, T. (2020). Data Mining: Teori dan Aplikasi. Penerbit XYZ.
[10] Indriyani, L., & Hidayatullah, A. F. (2019). "Pengembangan Sistem Informasi Manajemen Rumah Sakit Berbasis Web di Indonesia." Jurnal Sistem Informasi, 15(1), 12-21
[11] Pratama, F., & Dewantara, B. (2017). "Pengembangan Sistem Pendukung Keputusan Evaluasi Kinerja Pegawai dengan Metode Analytical Hierarchy Process." Jurnal Ilmu Komputer dan Informasi, 10(1), 45-52.
[12] Cao, H., & Parnin, C. (2020). "Understanding the Impact of Automated Refactoring on Code Review." IEEE Transactions on Software Engineering, 46(8), 740-756.
[13] Oliveira, J., & Soares, G. (2019). "An Empirical Study on the Adoption of Visual Studio Code in Software Development Teams." Journal of Software: Evolution and Process, 31(7), e2174.
[14] Johnson, R., & Smith, T. (2018). "Axure: A Tool for Rapid Prototyping and User Interface Design." Journal of Information Technology Research, 11(4), 45-61.
[15] Chakraborty, T., & Das, S. (2017). "Comparative Study of Data Mining Tools: RapidMiner, Weka, KNIME." International Journal of Computer Applications, 159(5), 30-35.
[16] Susanto, H., & Pradana, A. (2018). "Pengenalan Flowchart dalam Pemrograman Komputer." Jurnal Ilmiah Informatika dan Komputer, 5(1), 25-32.
[17] Pressman, R. S. (2014). "Software Engineering: A Practitioner's Approach" (8th ed.). McGraw-Hill Education.
[18] Widianto, A., & Handayani, S. R. (2017). "Penerapan Analisis Kredit dalam Penentuan Kelayakan Nasabah di Perbankan." Jurnal Manajemen dan Keuangan, 6(2), 148-158.
[19] Wibowo, B., & Setiawan, A. (2015). "Penerapan Algoritma Naive Bayes dalam Pengenalan Pola Klasifikasi." Jurnal Teknologi Informasi dan Ilmu Komputer, 2(1), 45-52.
[20] Permana, Y. (2019). Perancangan Sistem Informasi Penjualan Perumahan Mengunakan Metode Sdlc Pada Pt. Mandiri Land Prosperous Berbasis Mobile. Sigma – Jurnal Teknologi Pelita Bangsa, 10(4 (66)), 153–167.
[21] Ainun D, Zulfi A., Andy S. (2022). Penerapan Data Mining Mengklasifikasi Pola Nasabah Menggunakan Algoritma C4.5 Pada Pegadaian Tanjung Balai. Jurnal Teknologi dan Sistem Informasi. Vol 2 No. 1. 1-6.
[22] Nurdiyanto, I., Nurdiawan, O., Nining, R., Purnamasari, A. I., & Kurnia, D. A. (2022). Jurnal Data Science & Informatika ( Jdsi ). 2(1), 1–5.
[23] Anggraini, Y. . P. D. . & D. D. (2020). Sistem Informasi Penjualan Sepeda Berbasis Web Menggunakan Framework Codeigniter. Jurnal Teknologi Dan Sistem Informasi. 1(2), 64–70.
[24] Binarso, Y. A., Sarwoko, E. A., & Ba, N. Bahtiar. (2012). Pembangunan Sistem Informasi Alumni Berbasis Web Pada Program Studi Teknik Informatika Universitas Diponegoro. Journal Of Informatics And Technology, 1(1), 72–84.
[25] Christian, A., Hesinto, S., & Agustina, A. (2018). Rancang Bangun Website Sekolah Dengan Menggunakan Framework Bootstrap ( Studi Kasus Smp Negeri 6 Prabumulih ). Jurnal Sisfokom (Sistem Informasi Dan Komputer), 7(1), 22. Https://Doi.Org/10.32736/Sisfokom.V7i1.278
[26] David, D. (2022). Analisis Kelayakan Menerima Pinjaman Kredit Dengan Algoritma C4. 5 Pada PT BPR Buana Arta Mulia. Repository.Upbatam.Ac.Id. Http://Repository.Upbatam.Ac.Id/1480/
[27] Elisa Usada, Yanayuniarsyah, N. R. (2012). Rancang Bangun Sistem Informasi Jadwal Perkuliahan Berbasis Jquery Mobile Dengan Menggunakan Php Dan Mysql.
[28] Hozeng, S., & Aisa, S. (2016). Aplikasi Data Mining Dengan Menggunakan Metode Decision Tree Untuk Prediksi Penentuan Resiko Kredit. V(2), 1–10.
[29] Ibnu Ubaedi, Yan Mitha J. (2022). Opimasi Algoritma C4.5 Menggunakan Metode Forward Selection dan Stratified Sampling untuk Prediksi Kelayakan Kredit. Jurnal Sistem Informasi, Vol 9.17-26.
[30] Jiawei, H., & Micheline, K. (2006). Data Mining: Concepts And Techniques Second Edition. Simon Fraser University. Morgan.
[31] Khoirunnisa, R., Isnanto, R. R., & Martono, K. T. (2016). Pembuatan Aplikasi Web Manajemen Laundry Dan Integrasi Data Dengan Web Service. Jurnal Teknologi Dan Sistem Komputer, 4(1), 93. Https://Doi.Org/10.14710/Jtsiskom.4.1.2016.93-101
[32] Larose, D. T. (2005). Discovering Knowledge In Data: An Introduction To Data Mining. John Willey & Sons. Inc.
[33] Mariko, S. (2019). Aplikasi Website Berbasis Html Dan Javascript Untuk Menyelesaikan Fungsi Integral Pada Mata Kuliah Kalkulus. Jurnal Inovasi Teknologi Pendidikan, 6(1), 80–91. Https://Doi.Org/10.21831/Jitp.V6i1.22280
[34] Maulana, D., & Putra, R. R. B. (2019). Penerapan Data Mining Untuk Memprediksi Pola Nasabah Menggunakan Algoritma C4. 5. Jurnal Sigma. Https://Jurnal.Pelitabangsa.Ac.Id/Index.Php/Sigma/Article/View/587
[35] Nawary, A. P., & Kurniati, K. (2021). Penerapan Data Mining Dalam Memprediksi Kelancaran Kredit Nasabah Menggunakan Algoritma C4. 5 (Studi Kasus Pada Pt. Astra …. Bina Darma Conference On …. Https://Conference.Binadarma.Ac.Id/Index.Php/Bdccs/Article/View/2881
[36] Nurachim, R. I. (2019). Pemilihan Model Prediksi Indeks Harga Saham Yang Dikembangkan Berdasarkan Algoritma Support Vector Machine (Svm) Atau Multilayer Perceptron (Mlp) …. In Jurnal Teknologi Informatika Dan Komputer. Journal.Thamrin.Ac.Id. Http://Journal.Thamrin.Ac.Id/Index.Php/Jtik/Article/Viewfile/243/195
[37] Parida, M. (2018). Penerapan Data Mining Klasifikasi Nasabah Menggunakan Algoritma C4. 5 Pada Pt. Bpr Syariah Kotabumi. Prosiding Seminar Nasional Darmajaya.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Riduan Syahri, Ferry Putrawansyah, Desi Puspita
This work is licensed under a Creative Commons Attribution 4.0 International License.
Make a Submission 
.png)
