Klasifikasi Nilai Kelayakan Calon Debitur Baru Menggunakan Decision Tree C4.5

https://doi.org/10.22146/ijccs.15946

Bambang Hermanto(1*), Azhari SN(2),

(1) 
(2) Universitas Gadjah Mada
(*) Corresponding Author

Abstract


In an effort to improve the quality of customer service, especially in terms of feasibility assessment of borrowers due to the increasing number of new prospective borrowers loans financing the purchase of a motor vehicle, then the company needs a decision making tool allowing you to easily and quickly estimate Where the debtor is able to pay off the loans.

This study discusses the process generates C4.5 decision tree algorithm and utilizing the learning group of debtor financing dataset motorcycle. The decision tree is then interpreted into the form of decision rules that can be understood and used as a reference in processing the data of borrowers in determining the feasibility of prospective new borrowers. Feasibility value refers to the value of the destination parameter credit status. If the value of the credit is paid off status mean estimated prospective borrower is able to repay the loan in question, but if the credit status parameters estimated worth pull means candidates concerned debtor is unable to pay loans..

System testing is done by comparing the results of the testing data by learning data in three scenarios with the decision that the data is valid at over 70% for all case scenarios. Moreover, in generated tree  and generate rules takes fairly quickly, which is no more than 15 minutes for each test scenario


Keywords


credit, C4.5, Decision tree

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DOI: https://doi.org/10.22146/ijccs.15946

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Indonesian Journal of Computing and Cybernetics Systems
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