Klasifikasi Kelayakan Pemberian Kredit Menggunakan Metode Decision Tree dengan Seleksi Fitur (Studi Kasus: PT. Adira Finance Cabang Kota Ternate)

Authors

  • Rosihan Rosihan Universitas Khairun, Indonesia
  • Muhammad Fhadli Universitas Khairun, Indonesia
  • Alfanugrah A. Hi. Usman Universitas Khairun, Indonesia

DOI:

https://doi.org/10.31004/jptam.v7i3.9915

Keywords:

Klasifikasi, Kelayakan Pemberian Kredit, Decision Tree, Seleksi Fitur, PT Adira Finance Cabang Kota Ternate

Abstract

Pemberian kredit merupakan alternatif yang signifikan bagi masyarakat untuk memenuhi kebutuhan finansial mereka. Namun, evaluasi aplikasi kredit yang tepat dan pemantauan terhadap nasabah yang telah mengajukan kredit menjadi kritikal dalam menghindari risiko kredit yang sering muncul. Penelitian ini bertujuan untuk mengklasifikasikan status kredit nasabah PT. Adira Finance Cabang Kota Ternate menjadi dua kategori, yaitu "Lancar" dan "Macet," berdasarkan parameter kolektabilitas. Dalam penelitian ini, kami memanfaatkan teknik decision tree dengan melibatkan seleksi fitur sebagai pendekatan utama. Hasil eksperimen menunjukkan bahwa metode select k-best memberikan nilai F1 tertinggi sebesar 0.416, diikuti oleh L1 Based Feature Selection dengan nilai F1 sebesar 0.409, dan penghapusan fitur dengan varians rendah dengan nilai F1 sebesar 0.404. Seleksi fitur menggunakan feature important from coefficient memberikan nilai F1 terendah sebesar 0.310.

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Published

05-10-2023

How to Cite

Rosihan, R., Fhadli, M., & Usman, A. A. H. (2023). Klasifikasi Kelayakan Pemberian Kredit Menggunakan Metode Decision Tree dengan Seleksi Fitur (Studi Kasus: PT. Adira Finance Cabang Kota Ternate). Jurnal Pendidikan Tambusai, 7(3), 21517–21524. https://doi.org/10.31004/jptam.v7i3.9915

Issue

Vol. 7 No. 3 (2023): Desember 2023

Section

Articles of Research

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