Prediksi Kelayakan Pengajuan Pinjaman di Koperasi menggunakan Random Forest
DOI:
https://doi.org/10.29407/yb5dfc66Keywords:
Koperasi, Kelayakan Pinjaman, Machine Learning, Random ForestAbstract
Proses penilaian kelayakan pinjaman pada koperasi simpan pinjam masih banyak dilakukan secara manual dan subjektif, sehingga berpotensi menimbulkan ketidakkonsistenan keputusan serta meningkatkan risiko kredit bermasalah. Penelitian ini bertujuan untuk mengembangkan model prediksi kelayakan pengajuan pinjaman pada PRIMKOPKAR PERHUTANI dengan memanfaatkan algoritma Random Forest. Data yang digunakan berupa data historis pinjaman anggota tahun 2024 yang meliputi gaji yang diterima, jumlah pinjaman sebelumnya, tenor pinjaman sebelumnya, status pinjaman sebelumnya, status pindah dinas, metode pembayaran, jumlah pinjaman baru, dan tenor pinjaman baru. Metode penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian pengembangan. Hasil penelitian menunjukkan bahwa algoritma Random Forest mampu menghasilkan performa prediksi yang sangat baik berdasarkan nilai akurasi, presisi, recall, dan F1-score. Model yang dikembangkan diharapkan dapat menjadi sistem pendukung keputusan bagi pengurus koperasi dalam menilai kelayakan pinjaman secara objektif, cepat, dan berbasis data.
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