PENERAPAN ALGORITMA C5.0 PADA APLIKASI PENCATATAN KEUANGAN DAN CREDIT SCORING UNTUK UMKM (STUDI KASUS: PT MITRA PENDANAAN MANDIRI)

KUSUMA, GEMA AKBAR ADITYA (2021) PENERAPAN ALGORITMA C5.0 PADA APLIKASI PENCATATAN KEUANGAN DAN CREDIT SCORING UNTUK UMKM (STUDI KASUS: PT MITRA PENDANAAN MANDIRI). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

PT Mitra Pendanaan Mandiri is the first Fintech Peer to Peer Lending company in Indonesia that provides lending and borrowing services using a Borrower securities account at a Securities Company (Broker) as a reference for the Risk Management System in S-TRADE Online Trading to protect interests Lenders and to maintain the Borrower's own ability to pay off their loans. This company has not opened funding for MSMEs. Seeing this problem, PT Mitra Pendanaan Mandiri is looking for a way to overcome the various issues faced to make it easier for MSMEs to access business capital funding. By using the credit scoring feature where this feature makes it easier for MSMEs to obtain additional business funds with the algorithm used, namely C5.0 where this algorithm serves to classify MSME financial and asset recording data by generating credit scoring assessments to obtain additional business capital loans with an accuracy level of up to 96.08%. The Point Of Sales information system uses PHP with the Laravel framework with a MySQL database, and the data processing uses R Programming with the C5.0 algorithm. Implementing the C5.0 algorithm in the credit scoring process in the Point Of Sales application can help MSMEs obtain additional business funds. According to their needs and abilities in developing their business. Key words: Credit, Algorithm, Loans, Website, SMEs PT Mitra Pendanaan Mandiri merupakan perusahaan yang bergerak di bidang Fintech Peer to Peer Lending pertama di Indonesia yang menyediakan layanan pinjam meminjam dana dengan menggunakan rekening efek Borrower di Perusahaan Efek (Broker) sebagai acuan bagi Sistem Manajemen Risiko di STRADE Online Trading untuk melindungi kepentingan Lender dan demi menjaga kemampuan Borrower sendiri dalam melunasi pinjamannya., perusahaan ini belum membuka pendanaan untuk para UMKM. Dengan menggunakan fitur credit scoring dimana fitur ini mempermudah UMKM untuk mendapatkan dana usaha tambahan dengan algoritma yang digunakan yaitu C5.0 dimana algoritma ini berfungsi untuk mengklasifikasikan data pencatatan keuangan dan aset UMKM dengan menghasilkan penilaian credit scoring guna mendapatkan pinjaman modal usaha tambahan dengan tingkat akurasi hingga 96.08%. Sistem informasi Point Of Sales menggunakan PHP dengan framework Laravel dengan database MySQL dan pengolangan datanya menggunakan R Programming dengan algoritma C5.0, Dengan melakukan implementasi algoritma C5.0 pada proses credit scoring di aplikasi Point Of Sales dapat membantu para UMKM dalam mendapatkan dana usaha tambahan sesuai dengan kebutuhan dan kemampuannya dalam mengembangkan usahanya tersebut. Kata kunci: kredit, algoritma, pinjaman, website, UMKM

Item Type: Thesis (S1)
NIM/NIDN Creators: 41517110123
Uncontrolled Keywords: kredit, algoritma, pinjaman, website, UMKM
Subjects: 000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 000. Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum
000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 000. Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 000.01-000.09 Standard Subdivisions of Computer Science, Information and General Works/Subdivisi Standar Dari Ilmu Komputer, Informasi, dan Karya Umum
000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 000. Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 003 Systems/Sistem-sistem
000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 000. Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 004 Data Processing, Computer Science/Pemrosesan Data, Ilmu Komputer, Teknik Informatika
000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 020 Library and Information Sciences/Perpustakaan dan Ilmu Informasi > 025 Operations, Archives, Information Centers/Operasional Perpustakaan, Arsip dan Pusat Informasi, Pelayanan dan Pengelolaan Perpustakaan > 025.1 Administration and Library Management/Administrasi dan Manajemen Perpustakaan > 025.11 Finance/Keuangan
Divisions: Fakultas Ilmu Komputer > Informatika
Depositing User: ADELINA HASNA SETIAWATI
Date Deposited: 01 Dec 2023 06:59
Last Modified: 01 Dec 2023 06:59
URI: http://repository.mercubuana.ac.id/id/eprint/84490

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