Penentuan Keputusan Pemberian Pinjaman Kredit Usaha Rakyat Menggunakan Metode Adaptive Neuro Fuzzy Inference System (Studi Kasus: BRI Unit A. Yani Bontang)

Authors

DOI:

https://doi.org/10.30872/jim.v15i2.1166

Keywords:

ANFIS, Sistem hybrid, Sistem Penunjang Keputusan, Kredit Usaha Rakyat

Abstract

Kredit Usaha Rakyat (KUR) merupakan program pemerintah yang termasuk dalam kelompok program penanggulangan kemiskinan berbasis pemberdayaan usaha ekonomi mikro dan kecil. Bank Rakyat Indonesia (BRI) unit A.Yani Bontang merupakan salah satu bank penyedia pemberian modal KUR yang pada 1 tahun terakhir kredit macet sebesar 1.2 % dari total pinjaman yang didistribusikan. Sistem Pendukung Keputusan (SPK) berbasis soft computing metode ANFIS dapat membantu masalah pemberian pinjaman dengan memberikan alternatif keputusan yang dapat membantu mengefesienkan waktu dalam pengambilan keputusan oleh bank. ANFIS merupakan sistem hybrid yang menggabungkan kelebihan antara sistem fuzzy dan jaringan syaraf tiruan. Variabel input yang digunakan adalah penghasilan, tempat tinggal, jumlah tanggungan, jaminan, serta lama usaha dan output adalah keputusan diterima atau ditolaknya pengajuan pinjaman oleh debitur. Hasil uji coba pelatihan mengunakan jenis membership function yang paling efektif adalah jenis Generalized Bell dengan hasil rata-rata error sebesar 8.3278 x10-7. Metode ANFIS dapat digunakan dalam memberikan keputusan pemberian KUR dengan baik sesuai dengan jenis membership function dan iterasi pada tahap pelatihan jaringan.

Author Biographies

  • Wahyu Dyan Permana, Mulawarman University
    Ilmu Komputer
  • Indah Fitri Astuti, Mulawarman University
    Ilmu Komputer
  • Heliza Rahmania Hatta, Mulawarman University
    Ilmu Komputer

References

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Published

2020-09-10

Issue

Vol. 15 No. 2 (2020): Informatika Mulawarman : Jurnal Ilmiah Ilmu Komputer

Section

Articles

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