Naïve Bayes, Decision Tree, and SVM Algorithm for Classification of Sharia Cooperative Customer Financing Approval
The decision on financing approval in sharia cooperatives has a high risk of the inability of customers to pay their credit obligations at maturity or referred to as bad credit. To maintain and minimize risk, an accurate method is needed to determine the financing agreement. The purpose of this stud...
| Published in: | Jurnal Teknologi dan Sistem Komputer |
|---|---|
| Main Authors: | , |
| Format: | Article |
| Language: | English |
| Published: |
Diponegoro University
2019-04-01
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| Subjects: | |
| Online Access: | https://jtsiskom.undip.ac.id/index.php/jtsiskom/article/view/13251 |
| _version_ | 1850135117529350144 |
|---|---|
| author | Nurajijah Nurajijah Dwiza Riana |
| author_facet | Nurajijah Nurajijah Dwiza Riana |
| author_sort | Nurajijah Nurajijah |
| collection | DOAJ |
| container_title | Jurnal Teknologi dan Sistem Komputer |
| description | The decision on financing approval in sharia cooperatives has a high risk of the inability of customers to pay their credit obligations at maturity or referred to as bad credit. To maintain and minimize risk, an accurate method is needed to determine the financing agreement. The purpose of this study is to classify sharia cooperative loan history data using the Naïve Bayes algorithm, Decision Tree and SVM to predict the credibility of future customers. The results showed the accuracy of Naïve Bayes algorithm 77.29%, Decision Tree 89.02% and the highest Support Vector Machine (SVM) 89.86%. |
| format | Article |
| id | doaj-art-e6c143ff2f314dddad57529331adbf25 |
| institution | Directory of Open Access Journals |
| issn | 2338-0403 |
| language | English |
| publishDate | 2019-04-01 |
| publisher | Diponegoro University |
| record_format | Article |
| spelling | doaj-art-e6c143ff2f314dddad57529331adbf252025-08-19T23:51:25ZengDiponegoro UniversityJurnal Teknologi dan Sistem Komputer2338-04032019-04-0172778210.14710/jtsiskom.7.2.2019.77-8212778Naïve Bayes, Decision Tree, and SVM Algorithm for Classification of Sharia Cooperative Customer Financing ApprovalNurajijah Nurajijah0https://orcid.org/0000-0002-6409-876XDwiza Riana1https://orcid.org/0000-0002-5072-853XProgram Studi Magister Ilmu Komputer, STMIK Nusa Mandiri, IndonesiaProgram Studi Magister Ilmu Komputer, STMIK Nusa Mandiri, IndonesiaThe decision on financing approval in sharia cooperatives has a high risk of the inability of customers to pay their credit obligations at maturity or referred to as bad credit. To maintain and minimize risk, an accurate method is needed to determine the financing agreement. The purpose of this study is to classify sharia cooperative loan history data using the Naïve Bayes algorithm, Decision Tree and SVM to predict the credibility of future customers. The results showed the accuracy of Naïve Bayes algorithm 77.29%, Decision Tree 89.02% and the highest Support Vector Machine (SVM) 89.86%.https://jtsiskom.undip.ac.id/index.php/jtsiskom/article/view/13251data miningnaive bayesdecision treesvmpembiayaan kredit |
| spellingShingle | Nurajijah Nurajijah Dwiza Riana Naïve Bayes, Decision Tree, and SVM Algorithm for Classification of Sharia Cooperative Customer Financing Approval data mining naive bayes decision tree svm pembiayaan kredit |
| title | Naïve Bayes, Decision Tree, and SVM Algorithm for Classification of Sharia Cooperative Customer Financing Approval |
| title_full | Naïve Bayes, Decision Tree, and SVM Algorithm for Classification of Sharia Cooperative Customer Financing Approval |
| title_fullStr | Naïve Bayes, Decision Tree, and SVM Algorithm for Classification of Sharia Cooperative Customer Financing Approval |
| title_full_unstemmed | Naïve Bayes, Decision Tree, and SVM Algorithm for Classification of Sharia Cooperative Customer Financing Approval |
| title_short | Naïve Bayes, Decision Tree, and SVM Algorithm for Classification of Sharia Cooperative Customer Financing Approval |
| title_sort | naive bayes decision tree and svm algorithm for classification of sharia cooperative customer financing approval |
| topic | data mining naive bayes decision tree svm pembiayaan kredit |
| url | https://jtsiskom.undip.ac.id/index.php/jtsiskom/article/view/13251 |
| work_keys_str_mv | AT nurajijahnurajijah naivebayesdecisiontreeandsvmalgorithmforclassificationofshariacooperativecustomerfinancingapproval AT dwizariana naivebayesdecisiontreeandsvmalgorithmforclassificationofshariacooperativecustomerfinancingapproval |