Algoritma Naive Bayes, Decision Tree dan SVM untuk Klasifikasi Persetujuan Pembiayaan Nasabah Koperasi Syariah

Algoritma Naive Bayes, Decision Tree dan SVM untuk Klasifikasi Persetujuan Pembiayaan Nasabah Koperasi Syariah

• By nurajijah; riana, dwiza;
• Jurnal Nasional Terakreditasi
• 205
• 77-82

Keputusan persetujuan pembiayaan pada koperasi syariah memiliki risiko tinggi atas ketidakmampuan nasabah dalam membayar kewajiban kreditnya pada saat jatuh tempo atau disebut dengan kredit macet. Untuk menjaga dan meminimalisir risiko tersebut dibutuhkan metode yang akurat untuk menentukan persetujuan pembiayaan.
Tujuan penelitian ini adalah melakukan klasifikasi data histori pinjaman nasabah koperasi syariah menggunakan algoritme Naïve Bayes, Decision Tree dan SVM untuk memprediksi kredibilitas calon nasabah selanjutnya. Hasil penelitian menunjukkan akurasi algoritme Naïve Bayes 77,29%, Decision Tree 89,02% dan yang tertinggi Support Vector Machine (SVM) 89,86%

• Katakunci data mining; Naive Bayes; Decision Tree; SVM; pembiayaan kredit
• URL https://jtsiskom.undip.ac.id/index.php/jtsiskom/article/view/13251
• Penerbit ,

REFERENSI

W.-K. Chen, Linear Networks and Systems. Belmont, CA: Wadsworth, 1993, pp. 123-135.
R. Hayes, G. Pisano, D. Upton, and S. Wheelwright, Operations, Strategy, and Technology: Pursuing the competitive edge. Hoboken, NJ: Wiley, 2005.
The Oxford Dictionary of Computing, 5th ed. Oxford: Oxford University Press, 2003.
A. Rezi and M. Allam, "Techniques in array processing by means of transformations, " in Control and Dynamic Systems, Vol. 69, Multidemsional Systems, C. T. Leondes, Ed. San Diego: Academic Press, 1995, pp. 133-180.
O. B. R. Strimpel, "Computer graphics," in McGraw-Hill Encyclopedia of Science and Technology, 8th ed., Vol. 4. New York: McGrawHill, 1997, pp. 279-283.
H. Ayasso and A. Mohammad-Djafari, "Joint NDT Image Restoration and Segmentation Using Gauss–Markov–Potts Prior Models and Variational Bayesian Computation," IEEE Transactions on Image Processing, vol. 19, no. 9, pp. 2265-77, 2010. [Online]. Available: IEEE Xplore, http://www.ieee.org. [Accessed Sept. 10, 2010].
A. Altun, "Understanding hypertext in the context of reading on the web: Language learners' experience," Current Issues in Education, vol. 6, no. 12, July 2003. [Online]. Available: http://cie.ed.asu.edu/volume6/number12/.
[Accessed Dec. 2, 2004].
H. Imron, R. R. Isnanto and E. D. Widianto, "Perancangan Sistem Kendali pada Alat Listrik Rumah Tangga Menggunakan Media Pesan Singkat (SMS)". Jurnal Teknologi dan Sistem Komputer, vol.4, no. 3, pp. 454-462, Agustus 2016. [Online]. doi:10.14710/jtsiskom.4.3.2016.454-462.
J. R. Beveridge and E. M. Riseman, "How easy is matching 2D line models using local search?" IEEE Transactions on Pattern Analysis and Machine Intelligence, vol. 19, pp. 564-579, June 1997.
E. H. Miller, "A note on reflector arrays," IEEE Transactions on Antennas and Propagation, to be published.
L. Liu and H. Miao, "A specification based approach to testing polymorphic attributes," in Formal Methods and Software Engineering: Proc.of the 6th Int. Conf. on Formal Engineering Methods, ICFEM 2004, Seattle, WA, USA, November 8-12, 2004, J. Davies, W. Schulte, M. Barnett, Eds. Berlin: Springer, 2004. pp. 306-19.
J. Lach, "SBFS: Steganography based file system," in Proc. of the 2008 1st Int. Conf. on Information Technology, IT 2008, 19-21 May 2008, Gdansk, Poland [Online]. Available: IEEE Xplore, http://www.ieee.org. [Accessed: 10 Sept. 2010].
H. A. Nimr, "Defuzzification of the outputs of fuzzy controllers," presented at 5th Int. Conf. on Fuzzy Systems, 1996, Cairo, Egypt. 1996.
T. J. van Weert and R. K. Munro, Eds., Informatics and the Digital Society: Social, ethical and cognitive issues: IFIP TC3/WG3.1&3.2 Open Conf. on Social, Ethical and Cognitive Issues of Informatics and ICT, July 22-26, 2002, Dortmund,
Germany. Boston: Kluwer Academic, 2003.
R. E. Sorace, V. S. Reinhardt, and S. A. Vaughn, “High-speed digital-to-RF converter,” U.S. Patent 5 668 842, Sept. 16, 1997.
European Telecommunications Standards Institute, “Digital Video Broadcasting (DVB): Implementation guidelines for DVB terrestrial services; transmission aspects,” European Telecommunications Standards Institute, ETSI TR-101-190, 1997. [Online]. Available: http://www.etsi.org. [Accessed: Aug. 17, 1998].
“A ‘layman’s’ explanation of Ultra Narrow Band technology,” Oct. 3, 2003. [Online]. Available: http://www.vmsk.org/Layman.pdf. [Accessed: Dec. 3, 2003].
G. Sussman, "Home page - Dr. Gerald Sussman," July 2002. [Online]. Available: http://www.comm.pdx.edu/faculty/Sussman/sussmanpage.htm. [Accessed: Sept. 12, 2004].
FLEXChip Signal Processor (MC68175/D), Motorola, 1996.
A. Karnik, “Performance of TCP congestion control with rate feedback: TCP/ABR and rate adaptive TCP/IP,” M. Eng. thesis, Indian Institute of Science, Bangalore, India, Jan. 1999.
F. Sudweeks, Development and Leadership in Computer-Mediated Collaborative Groups. PhD [Dissertation]. Murdoch, WA: Murdoch Univ., 2007. [Online]. Available: Australasian Digital Theses Program.
J. Padhye, V. Firoiu, and D. Towsley, “A stochastic model of TCP Reno congestion avoidance and control,” Univ. of Massachusetts, Amherst, MA, CMPSCI Tech. Rep. 99-02, 1999.
Wireless LAN Medium Access Control (MAC) and Physical Layer (PHY) Specification, IEEE Std.
802.11, 1997