Creditworthiness System Using Analytical Hierarchy Process Method
Abstract
The role of savings and loans cooperatives is very important, so it is not surprising that cooperatives are always found where, especially in urban areas, even in remote areas, we can find cooperatives. Savings and loan cooperatives obtain capital from principal deposits and mandatory deposits of cooperative members. This makes owners sometimes cut off credit without paying attention to aspects of credit risk that should be consistently applied. The importance of quality of service to cooperatives greatly affects the progress of cooperative members, one of which is the speed and accuracy in making decisions to provide credit for Members or prospective borrowers. AHP is appropriate for use in decision making that involves comparing decision elements that are difficult to assess quantitatively. This is based on the assumption that the natural reaction of the human being when facing complex decision-making is to group the elements of the decision according to its characteristics in general. Based on the results of interviews with cooperatives, there are 5 criteria needed in determining the feasibility of providing credit, namely Character, Capacity, Capital, Condition of economy, and Collateral. The calculation results use AHP for each creditor, namely A2 creditors with a final value of 0.22785, A5 creditors with a final value of 0.21926, A3 creditors with a final value of 0.20459, A1 creditors with an end value of 0.1772, A4 creditors with an end value of 0.17111.
References
J. Jusuf, Analisis Kredit Untuk Credit (Account) Officer. Gramedia Pustaka Utama, 2014.
S. D. Hapid, M. I. Dzulhaq, and T. Mulyono, “Sistem Pendukung Keputusan Penyeleksian Supplier Bahan Produksi Dengan Metode Simple Additive Weighting (SAW),” vol, vol. 10, pp. 33–37, 2020.
E. Ernain, R. Rusliyawati, and I. Sinaga, “Sistem Pendukung Keputusan Pembiayaan Mikro Berbasis Client Server Studi Kasus Pada Perusahaan Pembiayaan Bandar Lampung,” 2011.
A. Irawan, R. Rohaniah, H. Sulistiani, and A. T. Priandika, “Sistem Pendukung Keputusan Untuk Pemilihan Tempat Servis Komputer di Kota Bandar Lampung Menggunakan Metode AHP,” J. Tekno Kompak, vol. 13, no. 1, pp. 30–35, 2019.
V. Sihombing, V. M. M. Siregar, W. S. Tampubolon, M. Jannah, and A. Hakim, “Implementation of simple additive weighting algorithm in decision support system,” in IOP Conference Series: Materials Science and Engineering, 2021, vol. 1088, no. 1, p. 12014.
Y. Zhao, F. Cheng, S. Yüksel, and H. Dinçer, “Integer code series enhanced IT2 fuzzy decision support system with alpha cuts for the innovation adoption life cycle pattern recognition of renewable energy alternatives,” IEEE Access, vol. 9, pp. 34906–34920, 2021.
A. Karthikeyan, A. Garg, P. K. Vinod, and U. D. Priyakumar, “Machine learning based clinical decision support system for early COVID-19 mortality prediction,” Front. public Heal., vol. 9, p. 626697, 2021.
R. Garg and D. Jain, “Fuzzy multi-attribute decision making evaluation of e-learning websites using FAHP, COPRAS, VIKOR, WDBA,” Decis. Sci. Lett., vol. 6, no. 4, pp. 351–364, 2017.
V. H. Valentino, H. S. Setiawan, A. Saputra, Y. Haryanto, and A. S. Putra, “Decision support system for thesis session pass recommendation using AHP (analytic hierarchy process) method,” Int. J. Educ. Res. Soc. Sci., vol. 2, no. 1, pp. 215–221, 2021.
A. U. Khan and Y. Ali, “Analytical hierarchy process (AHP) and analytic network process methods and their applications: a twenty year review from 2000-2019: AHP & ANP techniques and their applications: Twenty years review from 2000 to 2019,” Int. J. Anal. Hierarchy Process, vol. 12, no. 3, 2020.
S. Kittipongvises, A. Phetrak, P. Rattanapun, K. Brundiers, J. L. Buizer, and R. Melnick, “AHP-GIS analysis for flood hazard assessment of the communities nearby the world heritage site on Ayutthaya Island, Thailand,” Int. J. Disaster Risk Reduct., vol. 48, p. 101612, 2020.
K. C. Swain, C. Singha, and L. Nayak, “Flood susceptibility mapping through the GIS-AHP technique using the cloud,” ISPRS Int. J. Geo-Information, vol. 9, no. 12, p. 720, 2020.
Z. Wang, Y. Ran, Y. Chen, H. Yu, and G. Zhang, “Failure mode and effects analysis using extended matter-element model and AHP,” Comput. Ind. Eng., vol. 140, p. 106233, 2020.
I. D’Adamo, P. M. Falcone, M. Gastaldi, and P. Morone, “RES-T trajectories and an integrated SWOT-AHP analysis for biomethane. Policy implications to support a green revolution in European transport,” Energy Policy, vol. 138, p. 111220, 2020.
K. Gompf, M. Traverso, and J. Hetterich, “Using analytical hierarchy process (AHP) to introduce weights to social life cycle assessment of mobility services,” Sustainability, vol. 13, no. 3, p. 1258, 2021.
A. Alosta, O. Elmansuri, and I. Badi, “Resolving a location selection problem by means of an integrated AHP-RAFSI approach,” Reports Mech. Eng., vol. 2, no. 1, pp. 135–142, 2021.
P. Amenta, A. Lucadamo, and G. Marcarelli, “On the choice of weights for aggregating judgments in non-negotiable AHP group decision making,” Eur. J. Oper. Res., vol. 288, no. 1, pp. 294–301, 2021.
S. Kayapinar Kaya and E. Aycin, “An integrated interval type 2 fuzzy AHP and COPRAS-G methodologies for supplier selection in the era of Industry 4.0,” Neural Comput. Appl., vol. 33, no. 16, pp. 10515–10535, 2021.
S. Setiawansyah, H. Sulistiani, and V. H. Saputra, “Penerapan Codeigniter Dalam Pengembangan Sistem Pembelajaran Dalam Jaringan Di SMK 7 Bandar Lampung,” J. CoreIT J. Has. Penelit. Ilmu Komput. dan Teknol. Inf., vol. 6, no. 2, pp. 89–95, 2020.
A. A. Aldino and H. Sulistiani, “DECISION TREE C4. 5 ALGORITHM FOR TUITION AID GRANT PROGRAM CLASSIFICATION (CASE STUDY: DEPARTMENT OF INFORMATION SYSTEM, UNIVERSITAS TEKNOKRAT INDONESIA),” Edutic-Scientific J. Informatics Educ., vol. 7, no. 1, 2020.
D. A. Megawaty and R. Y. Simanjuntak, “Pemetaan Penyebaran Penyakit Demam Berdarah Dengue Menggunakan Sistem Informasi Geografis Pada Dinas Kesehatan Kota Metro,” Explor. J. Sist. Inf. dan Telemat. (Telekomunikasi, Multimed. dan Inform., vol. 8, no. 2, 2017.
M. Mojaver, R. Hasanzadeh, T. Azdast, and C. B. Park, “Comparative study on air gasification of plastic waste and conventional biomass based on coupling of AHP/TOPSIS multi-criteria decision analysis,” Chemosphere, vol. 286, p. 131867, 2022.
M. Irfan, R. M. Elavarasan, M. Ahmad, M. Mohsin, V. Dagar, and Y. Hao, “Prioritizing and overcoming biomass energy barriers: Application of AHP and G-TOPSIS approaches,” Technol. Forecast. Soc. Change, vol. 177, p. 121524, 2022.
L. P. Raghav, R. S. Kumar, D. K. Raju, and A. R. Singh, “Analytic hierarchy process (AHP)–swarm intelligence based flexible demand response management of grid-connected microgrid,” Appl. Energy, vol. 306, p. 118058, 2022.
O. S. Albahri et al., “New mHealth hospital selection framework supporting decentralised telemedicine architecture for outpatient cardiovascular disease-based integrated techniques: Haversine-GPS and AHP-VIKOR,” J. Ambient Intell. Humaniz. Comput., vol. 13, no. 1, pp. 219–239, 2022.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2022 Sondang Nadeak, Farli Rossi, Adhie Thyo Priandika
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
