Credit is the provision of money or bills which can be equalized with an agreement or deal between the bank and another parties that requires the borrower to pay off the debt after a certain period of time through interest. Before the cooperative approves the credit proposed by the debtor, the cooperative conducts a credit analysis of borrowers whether the credit application is approved or disapproved. This study objectives to predict creditworthiness by applying the Random Forest Classification Algorithm in order to provide a solution for determining the creditworthiness.This research method is absolute experimental research that leads to the impact resulting from experiments on the application of the decision tree model of the Random Forest Classification Algorithm’s approach. The study results using the Random Forest Classification Algorithm’s are able to analyze problem credit and disproblems debtors with an accuracy value of 87.88%. Besides that,. decision tree model was able to improve the accuracy in analyzing the credit worthiness of borrowers who filed.
In English : Credit is the provision of money or bills which can be equalized with an agreement or deal between the bank and another parties that requires the borrower to pay off the debt after a certain period of time through interest. Before the cooperative approves the credit proposed by the debtor, the cooperative conducts a credit analysis of borrowers whether the credit application is approved or disapproved. This study objectives to predict creditworthiness by applying the Random Forest Classification Algorithm in order to provide a solution for determining the creditworthiness.This research method is absolute experimental research that leads to the impact resulting from experiments on the application of the decision tree model of the Random Forest Classification Algorithm’s approach. The study results using the Random Forest Classification Algorithm’s are able to analyze problem credit and disproblems debtors with an accuracy value of 87.88%. Besides that,. decision tree model was able to improve the accuracy in analyzing the credit worthiness of borrowers who filed. In Indonesian : Kredit adalah penyediaan uang atau tagihan yang dapat dipersamakan atas persetujuan atau kesepakatan pinjam meminjam antara bank dengan pihak lain yang mewajibkan pihak peminjam melunasi utangnya setelah jangka waktu tertentu dengan pemberian bunga. Koperasi Mitra Sejahtera menghadapi masalah pembayaran pihak peminjam atas tunggakan kredit. Penelitian ini bertujuan untuk memprediksi kelayakan kredit dengan penerapan Algoritma Klasifikasi Random Forest agar dapat memberikan solusi untuk penentuan kelayakan pemberian kredit. Metode penelitian ini adalah riset eksperimen absolut yang mengarah kepada dampak yang dihasilkan dari eksperimen atas penerapan model pohon keputusan menggunakan pendekatan Algoritma Klasifikasi Random Forest. Hasil pengujian dengan algoritma klasifikasi Random Forest mampu menganalisis kredit yang bermasalah dan yang debitur yang tidak bermasalah dengan nilai akurasi sebesar 87,88%. Di samping itu, model pohon keputusan ternyata mampu meningkatkan akurasi dalam menganalisis kelayakan kredit yang diajukan calon debitur.
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