PENERAPAN ALGORITMA KLASIFIKASI DATA MINING DALAM PENENTUAN PEMBERIAN PINJAMAN KOPERASI

Abstract

The loan is the delivery of goods, services, or money from one party (the creditor / lender) on the
basis of trust in the other party (customer or debtor / borrower) to the appointment of a receiver to
pay credit to the lender on the date agreed upon by both parties. Research each loan application is
highly dependent on factors such as type of business, the economy, the intended use of the credit,
the amount of credit that do not kredit.Analisa carefully and thoroughly resulted in some
borrowers who have no credit given the ability to make payments so that there was nonperforming loans. In this study, using the method of C4.5 algorithm, which was applied to the data members Multipurpose Cooperative Enterprises "Ceger Jaya" that get good credit loans are problematic in the installment payment or not. From the test results to measure the performance of
the algorithm testing using Cross Validation, Confusion Matrix and the ROC curve, it is known that the C4.5 algorithm has the highest accuracy value, which is 90.67 which is very good classification.

Keywords: C 4.5, Credit Analysis, Decision Tree.