Analisis Modal Aturan Keputusan Kredit Usaha Rakyat (KUR) Menggunakan Metode Fuzzy Decision Tree

Abstract

Coordinating Ministry for Economic Affairs of the Republic of Indonesia launched a business credit (KUR) to the Indonesian people as working capital and investment financing to the debtor business productive and decent, but do not have additional collateral. Prior to channel funds through the financing of the debtor, the bank must first make an assessment of the debtor (credit analysis) with 5C variables to determine whether or not the debtor receive credit. The credit scoring process in principle intended to analyze and assess the prospects of potential borrowers to obtain an indication of the probability of default by the debtor. But the problem that arises is the difficulty Loan Analysis Model To Do So By Decision Rule People's Business Credit (KUR) Method using Fuzzy Decision Tree. Our objective is to build a model by using fuzzy decision tree algorithm Fuzzy ID3 namely in the form of classification rules that are then used for decision-making by using Fuzzy Inference System Mamdani. In this study, also performed measurements of the accuracy of the results of the model are formed. The data used in this study is based on the variable lending data KUR 5C. Then the data is processed by using the method fuzzy decision tree. This study has successfully built a model based on data from 5C by using fuzzy decision tree in shaping the rules of business credit decision. The resulting, number of classification rules is as much as 1 1 rule (rule) with the value of the test data accuracy by 80 %. Based on the classification rules are established and based on the test result kolerasi 5C, the factors that determine a person's most acceptable is the character and capacity.