SISTEM INFORMASI AKADEMIK BERBASIS WEB PADA SMP ISLAM AL-FALAH
Keywords:
Besar Pinjaman, Kredit, Fuzzy LogicAbstract
Kredit adalah penyediaan uang atau tagihan-tagihan yang dapat disamakan dengan itu berdasarkan persetujuan pinjam-meminjam antara bank dengan pihak lain dalam hal mana pihak peminjam berkewajiban melunasi utangnya setelah jangka waktu tertentu dengan bunga yang telah ditetapkan (Jayanti, 2014). Masalah kelayakan pemberian kredit cenderung bersifat samar (fuzzy) (Ariana & Suwadnyana, 2013), dimana untuk menentukan kelayakan besaran pinjaman tidak dapat ditentukan dengan mudah dan cepat, serta membutuhkan tenaga ahli. Kelayakan besaran pinjaman perlu dianalisa ataupun diprediksi (Misdiati & Rahayu, 2013), karena besarnya pinjaman merupakan salah satu penyebab utama kredit macet walaupun sebagian terbesar kredit macet diakibatkan salah dalam mengadakan analisis. Logika fuzzy (fuzzy logic) dapat digunakan untuk memodelkan suatu permasalahan yang matematis, dimana konsep matematis yang mendasari penalaran Fuzzy sangat sederhana dan mudah dimengerti, Logika fuzzy (fuzzy logic) adalah suatu metode atau cara yang tepat untuk memetakan kesuatu ruang input ke suatu ruang output (Widodo & Handayanto, 2012).
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