Algoritma Naïve Bayes Untuk Memprediksi Kredit Macet Pada Koperasi Simpan Pinjam

Abstract

Cooperatives are a forum that can help people, especially small and medium-sized communities. Cooperatives play an important role in the economic growth of the community such as the price of basic commodities which are relatively cheap and there are also cooperatives that offer borrowing and storing money for the community. Constraints that have been felt by this cooperative are that borrowers find it difficult to repay loan installments, causing bad credit. Because the cooperative in conducting credit analysis is carried out in a personal manner, namely by filling out the loan application form along with the requirements and conducting a field survey. Therefore there is a need for an evaluation to be carried out in lending to borrowers. To minimize these problems, it is necessary to detect customer criteria that are used to predict bad loans and to determine whether or not the elites are eligible to take credit using data mining. The data mining technique used is classification with the Naive Bayes method. Based on testing the accuracy of the resulting model obtained accuracy level of 59%, sensitivity (True Positive Rate (TP Rate) or Recall) of 46.80%, specificity (False Negative Rate (FN Rate or Precision) of 69.81%, Positive Predictive Value (PPV) of 57.89%, and Negative Predictive Value (NPV) of 59.67%.