Analisis perbandingan machine learning untuk prediksi kelayakan kredit perbankan pada Bank BRI Tegal

Andriani ; Wresty ; Gunawan ; Naja ; Naella Nabila Putri Wahyuning
IT-Explore: Jurnal Penerapan Teknologi Informasi d... 📅 2025 Vol 4, No 1 🔗 DOI: 10.24246/itexplore.v4i1.2025.pp82-92
Abstract
Predicting credit worthiness is an important step for banks to reduce the risk of bad credit. This research compares the performance of four classification algorithms, namely SVM, Naïve Bayes, Random Forest and Decision Tree using simulated datasets. The results obtained on the metrics of accuracy, precision, recall, F1 score, and AUC-ROC, show that Decision Tree has the best performance with 42.5% accuracy, 48.3% precision, 47.5% recall, 47.5% F1 score, and AUC 0.60, indicating its ability to is in differentiating credit worthiness. Random Forest achieved an accuracy of 37.5% and an AUC of 0.493, while Naïve Bayes had the lowest accuracy with an accuracy of 27.5% and an AUC of 0.425. SVM gives better results than Naïve Bayes but is still inferior to Decision Tree. This research recommends implementing a Decision Tree as the main model with optimization through hyperparameter tuning, adding relevant features, and handling data accounting. These results are expected to support banking decision making more effectively and efficiently.
Keywords
Classification; Decision Tree; Banking Risk Mitigation; Credit Eligibility Prediction
How to Cite

Andriani, et al. (2025). Analisis perbandingan machine learning untuk prediksi kelayakan kredit perbankan pada Bank BRI Tegal. IT-Explore: Jurnal Penerapan Teknologi Informasi dan Komunikasi, 4(1). https://doi.org/10.24246/itexplore.v4i1.2025.pp82-92

Andriani, Wresty; Gunawan; Naja, Naella Nabila Putri Wahyuning, "Analisis perbandingan machine learning untuk prediksi kelayakan kredit perbankan pada Bank BRI Tegal," IT-Explore: Jurnal Penerapan Teknologi Informasi dan Komunikasi, vol. 4, no. 1, 2025.

Andriani, Wresty; Gunawan; Naja, Naella Nabila Putri Wahyuning. "Analisis perbandingan machine learning untuk prediksi kelayakan kredit perbankan pada Bank BRI Tegal." IT-Explore: Jurnal Penerapan Teknologi Informasi dan Komunikasi, vol. 4, no. 1, 2025.

Andriani, Wresty; Gunawan; Naja, Naella Nabila Putri Wahyuning. "Analisis perbandingan machine learning untuk prediksi kelayakan kredit perbankan pada Bank BRI Tegal." IT-Explore: Jurnal Penerapan Teknologi Informasi dan Komunikasi 4, no. 1 (2025).

Andriani, et al. (2025) 'Analisis perbandingan machine learning untuk prediksi kelayakan kredit perbankan pada Bank BRI Tegal', IT-Explore: Jurnal Penerapan Teknologi Informasi dan Komunikasi, 4(1). doi: 10.24246/itexplore.v4i1.2025.pp82-92.

Andriani, Wresty; Gunawan; Naja, Naella Nabila Putri Wahyuning. Analisis perbandingan machine learning untuk prediksi kelayakan kredit perbankan pada Bank BRI Tegal. IT-Explore: Jurnal Penerapan Teknologi Informasi dan Komunikasi. 2025;4(1).

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