Sistem Prediksi Kelayakan Besaran Pinjaman Pemberian Kredit Pensiunan dengan Menggunakan Fuzzy Logic (Studi Kasus: PT. Bank Bukopin)

Authors

  • Muhammad Yasser Arafat Universitas Pamulang
  • Rachmat Septi Mezul

DOI:

https://doi.org/10.32493/informatika.v3i1.1425

Keywords:

Besar Pinjaman, Kredit, Fuzzy Logic

Abstract

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).
Jurnal Informatika Universitas Pamulang Vol. 3 No. 1 Maret 2018

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Published

2018-03-25

Issue

Vol. 3 No. 1 (2018): JURNAL INFORMATIKA UNIVERSITAS PAMULANG

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Article

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