Sistem Pendukung Keputusan Kelayakan Pemberian Pinjaman Kredit Menggunakan Metode Topsis Pada Cum Caritas HKBP Pematangsiantar

Sonang, Sahat; Purba, Arifin Tua; Siregar, Victor Marudut Mulia

doi:10.37600/tekinkom.v3i1.131

Cited by 5 publications

(4 citation statements)

References 1 publication

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“…Pada perusahaan Finance umumnya merupakan perusahaan yang bergerak pada bidang pengkreditan dengan menyediakan Pinjaman Kredit berupa sepeda motor, Uang Tunai, alat elektronik dll untuk seluruh calon Nasabah/masyarakat, agar calon konsumen/masyarakat dapat lebih mudah mendapatkan pinjaman ketika lagi membutuhkan [1]- [2]. Akan tetapi, masalah yang sangat sering dihadapi oleh perusahaan Finance ialah persoalan dalam hal pengambilan keputusan untuk para calon-calon nasabah yang akan layak mendapatkan pinjaman kredit dengan jaminan yang rendah dan pembayaran cicilan kredit selama 1 bulan.…”

Section: Pendahuluanunclassified

Penerapan Metode TOPSIS Dalam Sistem Pendukung Keputusan Kelayakan Penerima Pinjaman Kredit

Iskandar

2023

JoSYC

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In determining the eligibility of loan recipients at Finance companies, it is carried out with the approval of the Head Office, then the stage of checking customer data is carried out with the approval of the office manager. Furthermore, in analyzing the decision-making eligibility of customers receiving credit loans, using a manual system that takes a long time, therefore, a decision support system is needed that functions to minimize excess or lack of data. In this study, it will be explained how the process of determining alternative credit recipient customers applies the TOPSIS method. The research results will produce the highest ranking value which will be determined as the highest alternative. The data used in this study are 10 alternative data samples using 5 criteria, so that the results of calculations that have been carried out using 8 alternatives and 5 criteria produce the best alternative, namely alternative A2 above with a value of 0.848 as a recommendation for a customer who will be entitled to receive a loan from finance company.

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Section: Pendahuluanunclassified

Penerapan Metode TOPSIS Dalam Sistem Pendukung Keputusan Kelayakan Penerima Pinjaman Kredit

Iskandar

2023

JoSYC

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“…Penelitian Sonang dkk pada tahun 2020 tentang SPK Pemberian Pinjaman menggunakan metode TOPSIS. Metode TOPSIS dianggap mampu menyelesaikan persoalan penyeleksian alternatif secara terstruktur dengan melibatkan multi kriteria sehingga diperoleh kandidat terbaik yang diinginkan [13]. Oktavianti dkk pada tahun 2019 meneliti Promosi pegawai di indonesia masih banyak dilakukan secara manual sehingga banyak terjadi kesalahan pada saat perhitungan skor dan juga kehilangan dokumen.…”

Section: Pendahuluanunclassified

Implementasi Metode SMART (Simple Multi Attribute Rating Technique) Pada Sistem Pendukung Keputusan Pemberian Kredit Pinjaman

Ardana

Wulandari

Astuti

et al. 2022

mib

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Koperasi Simpan Pinjam (KSP) Tamanmartani Sejahtera is an operational savings and loan cooperative that utilizes funds from members in the form of savings and then flows back to members in the form of credit or loans. KSP Tamanmartani Sejahtera's main problem is arrears or customer credit payment delays. If it is allowed to continue, it will make it difficult for cooperatives to develop. One way to reduce delays in credit payments is to select prospective customers selectively. When choosing prospective customers, managers often experience difficulty making credit request decisions. Managers must consider and analyze the background of the credit application. The provision of credit to prospective customers must meet the standard criteria the cooperative sets. Based on these problems, to provide maximum recognition, it is necessary to have a system to help managers determine customer credit decisions. A Decision Support System (DSS) is a system that can provide information and manipulation data to assist decision-makers. One can use many choices, one of which is the Simple Multi-Attribute Rating Technique (SMART). The SMART method can help solve complex problems based on the difficulties encountered in KSP Tamanmartani Sejahtera. The results of this study are The SMART method was successfully implemented into a website-based system and displayed the ranking of customers who deserved to be given a loan. The test results with Black Box testing show the system can run according to a predetermined design.

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“…The results of the calculation of the case of this study that are eligible for a loan in order are NA2 with a value of 0.6390, NA1 with a value of 0.5737, the third is NA3 with a value of 0.5053, and the last is NA4 with a value of 0.3102. [21]. The difference between the research conducted and the previous research that became a reference is that this study uses a combination of the PIPRECIA weighting method in determining the weight of the criteria used and the MAUT method used in determining the feasibility of lending to cooperative customers.…”

Section: Introductionmentioning

confidence: 99%

MCDM Using Multi-Attribute Utility Theory and PIPRECIA in Customer Loan Eligibility Recommendations

Setiawansyah,

Sintaro,

Aldino

2023

jieee

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Customer loan eligibility recommendations are an important step in the risk and financial assessment process. To ensure business continuity and customer satisfaction, it is important for financial institutions to consider several key factors. Problems in determining lending include various aspects that include credit risk that is difficult to assess appropriately, insufficient information about potential borrowers, potential fraud that can harm lenders. Regardless, financial institutions must ensure sound risk management and comply with applicable regulations and compliance standards to minimize potential losses and maintain fairness in decision-making related to lending. Cooperatives act as institutions that provide access to loans with more flexible terms than conventional financial institutions. The loan application process involves evaluating the customer's eligibility, which includes an analysis of financial condition, credit history, and repayment capacity. The contribution of this study provides a recommendation for savings and loan cooperatives in lending to customers using a decision support system model. The purpose of this study is to evaluate and compare customer loan feasibility using a combination of Multi-Criteria Decision Making (MCDM) methods, namely Multi-Attribute Utility Theory (MAUT) and Pivot Pairwise Relative Criteria Importance Assessment (PIPRECIA). This study aims to determine the ability of both methods to provide a comprehensive understanding of loan feasibility by considering a number of relevant criteria. The results of the customer loan eligibility rating recommend rank 1 with a final value of 0.5127 obtained by Customer K, rank 2 with a final value of 0.432 obtained by Customer I, and rank 3 with a final value of 0.3559 obtained by Customer F.

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Sistem Pendukung Keputusan Kelayakan Pemberian Pinjaman Kredit Menggunakan Metode Topsis Pada Cum Caritas HKBP Pematangsiantar

Cited by 5 publications

References 1 publication

Penerapan Metode TOPSIS Dalam Sistem Pendukung Keputusan Kelayakan Penerima Pinjaman Kredit

Penerapan Metode TOPSIS Dalam Sistem Pendukung Keputusan Kelayakan Penerima Pinjaman Kredit

Implementasi Metode SMART (Simple Multi Attribute Rating Technique) Pada Sistem Pendukung Keputusan Pemberian Kredit Pinjaman

MCDM Using Multi-Attribute Utility Theory and PIPRECIA in Customer Loan Eligibility Recommendations

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