Penerapan Fuzzy MADM Model Weighted Product dalam Pengambilan Keputusan Kelayakan Penerimaan Kredit Di BPR Nusamba Sukaraja

• Main Authors: Satia Suhada, Taufik Hidayatulloh, Siti Fatimah
• Format: Article
• Language: Indonesian
• Published: Universitas Muhammadiyah Purwokerto 2018-05-01
• Series: Jurnal Informatika
• Online Access: http://jurnalnasional.ump.ac.id/index.php/JUITA/article/view/2517
• ISSN: 2086-9398; 2579-8901

Bank perkreditan Rakyat (BPR) Nusamba Sukaraja yang merupakan lembaga keuangan perbankan yang menerima simpanan deposito, tabungan atau bentuk lainnya dan menyalurkan dana sebagai usaha. Akan tetapi seiring berjalannya waktu tercatat ada beberapa konsumen kredit mengalami kredit macet dimana kredit macet tersebut dapat menghambat arus lalu lintas uang dan menyebabkan kerugian bagi bank. Pada umumnya, BPR Nusamba Sukaraja merekrut tenaga kerja dibagian credit analyst untuk melakukan analisi terhadap kemampuan membayar pemohon kredit dan survey lapangan untuk mengurangi kredit macet. Oleh karena itu dalam upaya membantu credit analyst dalam kegiatan pengambilan keputusan konsumen layak kredit, diperlukan model sistem berbasis komputer yang apat memberikan kemudahan dalam kemampuan analisa data, perhitungan penilaian kriteria pemohon kredit. Sebuah sistem pendukung keputusan (SPK) merupakan pilihan tepat untuk membantu penyeleksian pemohon kredit. Sistem dirancang dengan menggunakan metode Fuzzy Multiple Attribute Decission Making (FMADM) model Weighted Product (WP), metode ini dipilih karena perhitungan pembobotan kriteria yang tidak terlalu rumit, sehingga mudah dipelajari. Sistem yang dibangun diharapkan dapat membantu kerja BPR Nusamba Sukaraja, khususnya pada bagian credit analyst dalam melakukan penyeleksian pemohon kredit, dapat mempercepat proses penyeleksian pemohon kredit dan dapat mengurangi kesalahan daam menentukan konsumen layak kredit. Kata Kunci— kredit, fuzzy MADM, weighted product Bank Perkreditan Rakyat (BPR) Nusamba Sukaraja is banking financial institution that accepts savings deposits, deposits or any other form and transmit the funds as a business. But as time goes by was recorded there are some consumer credit are having bad credit which can impede the flow of traffic and cause a loss of money for the bank. In General, BPR Nusamba Sukaraja hiring the credit analyst to conduct an analysis of the ability of paying the credit applicant and survey the field to reduce the bad debts. Therefore, in an attempt to help the credit analyst in consumer decision-making activities deserve credit, required computer-based system that models can provide ease in data analysis ability assessment applicant criteria calculation credit. A decision support system (DSS) is the right choice to help selecting appropriate credit applicants. The system is designed with the use of methods of Fuzzy Multiple Attribute Decision Making (F-MADM) model Weighted Product (WP), this method was chosen because the calculation of the weighting of criteria that are not too complicated, so easy to learn. Systems that were built are expected to help the work of BPR Nusamba Sukaraja, particularly on the part of credit analyst in the conduct of the applicant's credit, selection can accelerate the process of selecting appropriate credit applicants and could reduce mistakes in determine consumers deserve credit. Keyword— credit, fuzzy MADM, weighted product