Credit is the provision of money or equivalent claims, based on agreements or agreements on loans between banks and other parties which require the borrowing party to repay the debt after a certain period of time with the amount of interest, compensation or profit sharing. From the credit customer data available at BSM KCP Kemang Pratama still has Non Performing Financing (NPF) or Bad Credit.In analyzing a credit sometimes an analyst does an inaccurate analysis, so there are some customers who are less able to make credit payments, resulting in bad credit. So the researchers conducted an analysis using the C4.5 decision tree algorithm and Rapid Miner application for determining credit worthiness. From the analysis of credit customer data using the C4.5 decision tree algorithm method, the feasibility of credit recipient customers is very effective and produces a value of accuracy on Rapid Miner 5.3 of 80%, Precision of 100% and Recall of 0% so as to minimize the risk.Abstrak -Kredit merupakan penyediaan uang atau tagihan yang dapat disamakan dengan hal itu, berdasarkan persetujuan atau kesepakatan pinjaman-pinjaman antara bank dengan pihak lain yang mewajibkan pihak peminjam untuk melunasi utangnya setelah jangka waktu tertentu dengan jumlah bunga, imbalan atau pembagian hasil keuntungan. Dari data nasabah kredit yang ada pada BSM KCP Kemang Pratama masih memiliki Non Performing Financing (NPF) atau Kredit Macet. Dalam menganalisa sebuah kredit terkadang seorang analis melakukan analisa tidak akurat, sehingga ada beberapa nasabah yang kurang mampu dalam melakukan pembayaran kredit, dan pada akhirnya mengakibatkan kredit macet. Peneliti melakukan analisis menggunakan algoritma decision tree C4.5 dan aplikasi Rapid Miner untuk penentuan kelayakan pemberian kredit. Dari analisis data nasabah kredit menggunakan metode Algoritma decision tree C4.5 menghasilkan kelayakan nasabah penerima kredit sangat efektif dan menghasilkan nilai akurasi pada Rapid Miner 5.3 sebesar 80%, Precision sebesar 100% dan Recall sebesar 0% sehingga dapat meminimalisir resiko yang terjadi. Kata kunci-Kredit, Algoritma C4.5, Rapid Miner, Nilai Akurasi
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