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OPTIMIZING CUSTOMER RELATIONSHIPS THROUGH CUSTOMER RELATIONSHIP MANAGEMENTAT HANDMADE WILLY

Utari, Ria, Yusda, Riki Andri, Amalia, Amalia
Abstract: Abstract: The development of globalization and digitalization requires businesses to not only focus on product quality, but also on the ability to build and maintain long-term relationships with customers. Customer loyalty… ty has become a strategic asset that influences business sustainability and competitiveness. Handmade Willy, a creative business engaged in the production and sale of handicrafts, faces various problems in customer management, such as difficulties in identifying customer preferences, limitations in ongoing communication, suboptimal customer segmentation, and the absence of a structured system for monitoring customer satisfaction and feedback. These problems have an impact on the ineffectiveness of marketing strategies and the potential decline in customer loyalty. This study aims to optimize customer relationships at Handmade Willy through the application of the Customer Relationship Management (CRM) concept. The research method used is descriptive analysis with a qualitative approach through data collection from observation, interviews, and literature studies. The blackbox testing results show that the system runs smoothly without any obstacles. The implementation of CRM helps Handmade Willy understand customer characteristics and preferences, perform more accurate segmentation, improve communication effectiveness, and systematically monitor customer satisfaction. Keyword: customer loyalty; customer relationship management; handmade willy.   Abstrak: Perkembangan era globalisasi dan digitalisasi menuntut pelaku usaha untuk tidak hanya berfokus pada kualitas produk, tetapi juga pada kemampuan membangun dan mempertahankan hubungan jangka panjang dengan pelanggan. Loyalitas pelanggan menjadi aset strategis yang berpengaruh terhadap keberlanjutan dan daya saing bisnis. Handmade Willy sebagai usaha kreatif yang bergerak di bidang produksi dan penjualan kerajinan tangan menghadapi berbagai permasalahan dalam pengelolaan pelanggan seperti kesulitan dalam mengidentifikasi preferensi pelanggan, keterbatasan komunikasi berkelanjutan, belum optimalnya segmentasi pelanggan serta belum adanya sistem yang terstruktur untuk memantau kepuasan dan umpan balik pelanggan. Permasalahan tersebut berdampak pada kurang efektifnya strategi pemasaran dan potensi penurunan loyalitas pelanggan. Penelitian ini bertujuan untuk mengoptimalkan hubungan pelanggan pada Handmade Willy melalui penerapan konsep Customer Relationship Management (CRM). Metode penelitian yang digunakan adalah analisis deskriptif dengan pendekatan kualitatif melalui pengumpulan data observasi, wawancara dan studi literatur. Hasil pengujian blackbox menunjukkan sistem yang dibuat berjalan dengan lancar tanpa ada kendala. Dengan penerapan CRM mampu membantu Handmade Willy dalam memahami karakteristik dan preferensi pelanggan, melakukan segmentasi yang lebih tepat, meningkatkan efektivitas komunikasi serta memantau kepuasan pelanggan secara sistematis. Kata kunci: customer relationship management; kerajinan tangan willy; loyalitas pelanggan.

MULTI-FACE EMOTION DETECTION USING CONVOLUTIONAL NEURAL NETWORKS TINY FACE DETECTOR

Istioso, Jason, Gerard, Jeremiah, Marcheleno, Marco, Maulana, Muhammad Akbar
Abstract: Abstract: Understanding students’ emotional conditions is important for evaluating engagement and learning atmosphere in classroom environments. However, conventional evaluation methods are often subjective and difficult… lt to apply in real time. Therefore, this study proposes a real-time multi-face emotion detection system designed for classroom learning environments. The system integrates a CNN-based Tiny Face Detector for multi-scale face localization with a convolutional neural network to classify seven facial emotions: angry, disgust, fear, happy, sad, surprise, and neutral. Experimental evaluation was conducted using classroom video data under varying lighting conditions, face orientations, partial occlusions, and different numbers of detected faces per frame. The proposed system achieves stable real-time performance with processing speeds ranging from 10–20 FPS, depending on face density. The results show higher recognition performance for expressive emotions, while subtle emotions remain more challenging. Overall classification accuracy reaches above 80% when emotion predictions are aggregated across multiple faces and time windows. These results indicate that the proposed system is suitable for objective analysis of emotional dynamics in classroom environments and supports the deployment of lightweight emotion-aware monitoring systems for educational applications. Keywords: classroom monitoring; convolutional neural network; facial emotion recognition; multi-face detection; tiny face detector.   Abstrak: Pemahaman terhadap kondisi emosional mahasiswa penting untuk mengevaluasi keterlibatan dan suasana pembelajaran di kelas. Namun, metode evaluasi konvensional umumnya bersifat subjektif dan sulit diterapkan secara real-time. Oleh karena itu, penelitian ini mengusulkan sistem deteksi emosi multi-wajah secara real-time yang dirancang untuk lingkungan pembelajaran di kelas. Sistem mengintegrasikan Tiny Face Detector berbasis CNN untuk pelokalan wajah multi-skala dengan jaringan saraf konvolusional untuk mengklasifikasikan tujuh emosi wajah, yaitu marah, jijik, takut, senang, sedih, terkejut, dan netral. Evaluasi eksperimen dilakukan menggunakan data video kelas dengan variasi kondisi pencahayaan, orientasi wajah, oklusi parsial, serta jumlah wajah yang berbeda dalam satu frame. Sistem menunjukkan kinerja real-time yang stabil dengan kecepatan pemrosesan antara 10–20 FPS, bergantung pada kepadatan wajah. Hasil pengujian menunjukkan kinerja yang lebih baik pada emosi ekspresif, sementara emosi dengan ciri halus lebih menantang untuk dikenali. Akurasi klasifikasi keseluruhan mencapai di atas 80% ketika hasil emosi diagregasi berdasarkan banyak wajah dan interval waktu. Hasil ini menunjukkan bahwa sistem yang diusulkan berpotensi digunakan untuk analisis objektif dinamika emosi di kelas serta mendukung pemantauan lingkungan pembelajaran berbasis kecerdasan buatan. Kata kunci: pengenalan emosi wajah; deteksi multi-wajah; Tiny Face Detector; jaringan saraf konvolusional; pemantauan kelas.

ANALYSIS OF INTEREST IN USING BLU DEPOSIT BASED ON TAM

Pangestu, Nathania Clarissa, Pratiwi , Heny, Yusnita, Amelia
Abstract: Abstract: Digital banking has brought various innovations in financial services, one of which is Blu Deposito by BCA Digital. However, the adoption rate of digital deposit services is still relatively low compared to digital… ital payment services. This study aims to identify and analyze the factors that influence customers' intentions and actual behavior in using Blu Deposito with reference to the Technology Acceptance Model (TAM). This study aims to analyze the factors that influence customers' intentions and actual behavior in adopting Blu Deposito using the Technology Acceptance Model (TAM) framework. Data was collected through a Google Form questionnaire from 54 customers at one BCA branch and analyzed using SPSS through validity and reliability tests, descriptive analysis, and multiple regression. The results show that Behavioral Intention (BI)is significantly influenced by Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Attitude Toward Using (ATU), with PEOU as the most dominant factor. In addition, BI has a significant effect on Actual System Use (AU), which confirms the relevance of applying the TAM model in the context of digital deposit products. These findings indicate that ease of use plays a greater role than financial benefits in encouraging users to adopt Blu Deposits. This study contributes to the understanding of digital deposit adoption and provides managerial insights to improve the usability and user engagement of digital banking services. Keywords: actual system use; attitude toward using; behavioral intention; perceived ease of use; perceived usefulness; technology acceptance model   Abstrak: Perbankan digital telah menghadirkan berbagai inovasi dalam layanan keuangan, salah satunya Blu Deposito oleh BCA Digital. Meskipun demikian, tingkat adopsi terhadap layanan deposito digital masih relatif rendah dibandingkan dengan layanan pembayaran digital. Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis faktor-faktor yang memengaruhi niat serta perilaku aktual nasabah dalam menggunakan Blu Deposito dengan mengacu pada kerangka Technology Acceptance Model (TAM). Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi niat dan perilaku aktual nasabah dalam mengadopsi Blu Deposito dengan menggunakan kerangka Technology Acceptance Model (TAM). Data dikumpulkan melalui kuesioner Google Form dari 54 nasabah di satu cabang BCA dan dianalisis menggunakan SPSS melalui uji validitas, reliabilitas, analisis deskriptif, dan regresi berganda. Hasil penelitian menunjukkan bahwa Behavioral Intention (BI) dipengaruhi secara signifikan oleh Perceived Ease of Use (PEOU), Perceived Usefulness (PU), dan Attitude Toward Using (ATU), dengan PEOU sebagai faktor paling dominan. Selain itu, BI berpengaruh signifikan terhadap Actual System Use (AU), yang menegaskan relevansi penerapan model TAM pada konteks produk deposito digital. Temuan ini menunjukkan bahwa kemudahan penggunaan memiliki peran lebih besar dibandingkan manfaat finansial dalam mendorong pengguna untuk mengadopsi Blu Deposito. Penelitian ini berkontribusi terhadap pemahaman adopsi deposito digital serta memberikan wawasan manajerial untuk meningkatkan kegunaan dan keterlibatan pengguna pada layanan perbankan digital.   Kata kunci: actual system use; attitude toward using; behavioral intention; perceived ease of use; perceived usefulness; technology acceptance model  

COMPARISON OF BILSTM, SVM FOR PBB-P2 TAX POLICY SENTIMENT ANALYSIS

Rofiqoh, Dayana, Subarkah, Pungkas, Isnaini, Khairunnisak Nur
Abstract: Abstract: The policy to increase the Rural and Urban Land and Building Tax (PBB-P2) in Indonesia often elicits mixed reactions from the public. Some support it because they believe it can strengthen regional fiscal capacity,… ity, while others reject it because they are concerned that it will increase the economic burden on the community. Understanding public sentiment towards this policy is important for evaluating the effectiveness of the policy and formulating appropriate communication strategies. This study aims to analyze public sentiment towards the PBB-P2 increase policy using data uploaded on Platform X (Twitter). The data were collected through crawling with the keyword “building tax,” then processed through several preprocessing stages before classifying tweets into positive and negative sentiments. Two models were used: Support Vector Machine (SVM) and Bidirectional Long Short-Term Memory (BiLSTM). Results show that SVM outperformed BiLSTM, achieving training accuracy of 99.4% and testing accuracy of 85.9%, with accuracy 0.8595, precision 0.8536, recall 0.8595, and F1-score 0.8449. Meanwhile, BiLSTM achieved training accuracy of 86.9% and testing accuracy of 82.9%, with accuracy 0.8294, precision 0.8150, recall 0.8294, and F1-score 0.8080. These findings suggest SVM is more effective in classifying public sentiment and can support better evaluation of regional tax policies.             Keywords: sentiment analysis; PBB-P2; BiLSTM; SVM; X platform     Abstrak: Kebijakan kenaikan tarif Pajak Bumi dan Bangunan Perdesaan dan Perkotaan (PBB-P2) di In-donesia sering memunculkan beragam reaksi dari masyarakat. Sebagian mendukung karena dianggap dapat memperkuat kapasitas fiskal daerah, sementara lainnya menolak karena kha-watir menambah beban ekonomi masyarakat. Pemahaman terhadap sentimen publik atas ke-bijakan tersebut penting untuk mengevaluasi efektivitas kebijakan dan merumuskan strategi komunikasi yang tepat. Penelitian ini bertujuan menganalisis sentimen masyarakat terhadap kebijakan kenaikan PBB-P2 menggunakan data unggahan di Platform X (Twitter). Data dik-umpulkan melalui proses crawling dengan kata kunci “pajak bangunan” kemudian diproses melalui beberapa tahap preprocessing sebelum diklasifikasikan menjadi sentimen positif dan negatif. Dua model digunakan dalam penelitian ini, yaitu Support Vector Machine (SVM) dan Bidirectional Long Short-Term Memory (BiLSTM). Hasil penelitian menunjukkan bahwa SVM memiliki kinerja lebih baik dibandingkan BiLSTM, dengan akurasi pelatihan 99,4% dan akurasi pengujian 85,9%. Nilai akurasi 0,8595, precision 0,8536, recall 0,8595, dan F1-score 0,8449. Sementara itu, BiLSTM memperoleh akurasi pelatihan 86,9% dan akurasi pengujian 82,9%, dengan akurasi 0,8294, precision 0,8150; recall 0,8294; dan F1-score 0,8080. Temuan ini menunjukkan bahwa SVM lebih efektif dalam mengklasifikasikan sentimen publik serta dapat mendukung evaluasi kebijakan pajak daerah dengan lebih baik.   Kata kunci: analisis sentimen; PBB-P2; BiLSTM; SVM; platform X

COMPARISON OF NAÏVE BAYES, SVM, K-NN, DECISION TREE, AND RANDOM FOREST IN SENTIMENT ANALYSIS BASED ON SEABANK APPLICATION ASPECTS

Fachrozi, Muhammad Al, Tania, Ken Ditha
Abstract: Abstract: The increasing use of digital banking applications has led to the need for a deeper understanding of user perceptions, especially through aspect-based sentiment analysis. This study aims to classify the sentiment… nt of SeaBank app users by focusing on four main aspects: learnability, efficiency, technical issues or errors, and satisfaction. Review data totaling 1,971 comments were collected from the Google Play Store and labeled with sentiments based on the scores (ratings) given by users. The CRISP-DM approach serves as the methodological framework for this study, which includes five classification algorithms: Naïve Bayes, Support Vector Machine (SVM), k-Nearest Neighbor (k-NN), Decision Tree, and Random Forest. The evaluation results show that the SVM algorithm provides the best performance with the highest average value of the four aspects achieving accuracy of 93.91%, Precision of 91.16%, recall of 97.96% and F1-Measure of 94.33%. According to the research findings, the Support Vector Machine (SVM) algorithm provides the best performance when performing aspect-based sentiment analysis on text data from digital banking application reviews. The findings are expected to serve as a reference for the development of automated evaluation systems that rely on user opinions as the basis for decision making.             Keywords: aspects; CRISP-DM; digital Banking; seabank; sentiment analysis     Abstrak: Peningkatan pemakaian aplikasi perbankan digital mendorong perlunya pemahaman yang lebih dalam mengenai persepsi pengguna, terutama melalui analisis sentimen berbasis aspek. Penelitian ini bertujuan untuk mengklasifikasikan sentimen pengguna aplikasi SeaBank dengan berfokus pada empat aspek utama: kemudahan dipelajari (learnability), efisiensi penggunaan (efficiency), kendala atau kesalahan teknis (error), serta tingkat kepuasan (satisfaction). Data ulasan berjumlah 1.971 komentar dikumpulkan dari Google Play Store dan diberi label sentimen berdasarkan skor (rating) yang diberikan oleh pengguna. Pendekatan CRISP-DM berfungsi sebagai kerangka metodologis untuk penelitian ini, yang mencakup lima algoritma klasifikasi: Naïve Bayes, Support Vector Machine (SVM), k-Nearest Neighbor (k-NN), Decision Tree, dan Random Forest. Hasil evaluasi menunjukkan bahwa algoritma SVM memberikan performa terbaik dengan nilai rata-rata dari ke empat aspek tertinggi yang mencapai accuracy sebesar 93.91%, Precision sebesar 91.16%, recall sebesar 97.96% dan F1-Measure sebesar 94.33%. Menurut temuan penelitian, algoritma Support Vector Machine (SVM) memberikan kinerja terbaik saat melakukan analisis sentimen berbasis aspek pada data teks dari ulasan aplikasi Seabank. Temuan ini diharapkan dapat menjadi referensi bagi pengembangan sistem evaluasi otomatis yang mengandalkan opini pengguna sebagai dasar pengambilan keputusan.   Kata kunci: Analisis Sentimen, Aspek, Bank Digital, SeaBank, CRISP-DM

COMPARISON SVM, RF, BERT PUBLIC SENTIMENT DATA MBG IN X

Gustri Efendi, Yandi, Rus, Aprilia, Rani, Amaroh Bit Taqwa, Irvan
Abstract: Abstract: MBG is a strategic program of the Prabowo-Gibran administration. This program has become a widely discussed issue in the public. To better understand public perception of this program, sentiment analysis is necessary.… essary. This study aims to compare the performance of algorithms machine learning SVM, RF, And BERT with preprocessing data analyzing public sentiment of the MBG program in media X. The total dataset for this study was 39,858 out of 42,465 successfully crawled tweets. The research methods included data collection, preprocessing data (cleaning, case folding, word normalization, stopword removal and stemming), feature extraction, model training (fine-tuning), handling class imbalance with SMOTE, and evaluation using accuracy, precision, recall, and f1-score. The research results show that without SMOTE, the best performing models are BERT with 89% accuracy, SVM 87%, and RF 78.4%. After SMOTE, the best algorithms were SVM with 92.94%, BERT with 88.3%, and RF with 86.59%. The results confirmed that SVM is the best algorithm if at leastclass imbalance. BERT is the best algorithm before and after SMOTE, because BERT is more effective in capturing the nuances of language on social media, so BERT is the most recommended in MBG sentiment analysis.             Keywords: sentiment analysis; machine learning; SVM, RF, and BERT   Abstrak: MBG merupakan program strategis pemerintahan Prabowo - Gibran. Program ini menjadi isu yang banyak diperbincangkan publik. Untuk mengetahui lebih dalam persepsi masyrakat tentang program ini, perlu dilakukan analisis sentiment. Penelitian ini bertujuan membandingkan kinerja algoritma machine learning SVM, RF, dan BERT dengan preprocessing data menganalisis sentiment public program MBG di media X. Total dataset penelitian ini adalah 39.858 dari 42.465 tweet yang berhasil di crawling. Metode penelitian mencakup pengumpulan data, preprocessing data (cleaning, case folding, normalisasi kata, stopword removal dan stemming), ekstraksi fitur, pelatihan model (fine-tuning), penanganan class imbalance dengan SMOTE, dan evaluasi menggunakan akurasi, presisi, recall, dan f1-score. Hasil peneltian menunjukkan, tanpa SMOTE model dengan kinerja terbaik adalah BERT dengan akurasi 89%, SVM 87%, dan RF 78,4%. Setelah SMOTE algoritma terbaik adalah SVM 92,94%, BERT 88,3% dan RF 86,59%. Hasil penelitian menegaskan bahwa SVM adalah algoritma terbaik jika minimal class imbalance. BERT adalah algoritma terbaik sebelum dan sesudah SMOTE, karena BERT lebih efektif dalam menangkap nuansa bahasa pada media sosial, sehingga BERT paling di rekomendasikan dalam analisis sentimen MBG.   Kata kunci: analisis sentimen; machine learning; SVM, RF, dan BERT

CRITERIA ANALYSIS OF COURSE PARTICIPANTS USING K-MEANS: A CASE STUDY OF INET PALEMBANG

Muhammad Rasuandi Akbar, Agramanisti Azdy, Rezania, Novaria Kunang, Yesi, Adha Oktarini Saputri , Nurul
Abstract: Abstract: INET Computer Palembang, as a computer training institution, faces difficulties in understanding participant characteristics due to variations in age, educational background, and chosen course packages. This study… udy aims to analyze participant criteria and group them based on similarities using the K-Means Clustering algorithm. The data used were historical records of course participants from 2022 to 2025. The research process followed the CRISP-DM stages, starting from data cleaning and transformation, determining the optimal number of clusters using the Elbow Method, to evaluating cluster quality with the Davies-Bouldin Index. The implementation was carried out using Python and the scikit-learn library. The results show that the optimal number of clusters is k=5 with a Sum of Squared Errors (SSE) value of 1064.66 and a Davies-Bouldin Index (DBI) score of 0.820, indicating good cluster quality. The resulting clustering provides a structured profile of participants and demonstrates that K-Means is effective in segmenting course participants. These findings are expected to assist the institution in designing more targeted training programs. Keywords: clustering; data mining; elbow method; k-means; computer course

FEATURE ALIGNMENT OF THE INTERNAL QUALITY AUDIT SYSTEM BASED ON PPEPP

Jollyta, Deny, Hajjah, Alyauma, Mukhsin, Mukhsin, Prihandoko, Prihandoko
Abstract: Abstract: The Ministry of Education, Culture, Research, and Technology, has developed guidelines for the Internal Quality Assurance System or known as SPMI, that is being implemented through the Internal Quality Audit (IQA)… QA) with the PPEPP cycle, namely Determination (P), Implemen-tation (P), Evaluation (E), Control (P), and Improvement (P). Some universities have implemented IQA with system. The problem is that the system does not line well with the PPEPP cycle, which results in unsatisfactory audit results. The purpose of this study is to evaluate how well the university-owned AQI system features in line the PPEPP cycle and to highlight development opportunities. The method used Feature Oriented Domain analysis (FODA) and Acceptance Testing. This study delivered an analysis of IQA system features that consistent with PPEPP. The FODA results were validated by expert and tested with User Acceptance Test (UAT) with 89.98% user response that the system is acceptable. The research contributes to universities' understanding of the features necessary in the AQI system, which has an impact on the perfection of the university AQI system design in accordance with the PPEPP cycle.             Keywords: FODA; IQA system; PPEPP cycle; SPMI     Abstrak: Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi telah menyusun pedoman Sistem Penjaminan Mutu Internal atau yang dikenal dengan SPMI, yang diimplementasikan melalui Audit Mutu Internal (AMI) dengan siklus PPEPP, yaitu Penetapan (P), Pelaksanaan (P), Evaluasi (E), Pengendalian (P), dan Peningkatan (P). Beberapa perguruan tinggi telah mengimplementasikan AMI dengan sistem. Permasalahannya, sistem tersebut tidak sejalan dengan siklus PPEPP, sehingga hasil audit kurang memuaskan. Tujuan dari penelitian ini adalah untuk mengevaluasi seberapa baik fitur sistem AMI milik perguruan tinggi sejalan dengan siklus PPEPP dan menyoroti peluang pengembangan. Metode yang digunakan adalah analisis Feature Oriented Domain (FODA) dan Acceptance Testing. Penelitian ini menghasilkan analisis fitur sistem AMI yang konsisten dengan PPEPP. Hasil FODA divalidasi oleh ahli dan diuji dengan User Acceptance Test (UAT) dengan 89,98% respon pengguna bahwa sistem dapat diterima. Penelitian ini memberikan kontribusi terhadap pemahaman universitas terhadap fitur-fitur yang diperlukan dalam sistem AMI, yang berdampak pada kesempurnaan desain sistem AMI universitas sesuai dengan siklus PPEPP.   Kata kunci: FODA; siklus PPEPP; sistem AMI; SPMI

PREDICTING LOAN ELIGIBILITY WITH SUPPORT VECTOR MACHINE: A MACHINE LEARNING APPROACH

Rajunaidi, Rajunaidi, Yuliansyah, Herman, Sunardi, Sunardi, Murinto, Murinto
Abstract: Abstract: Non-performing loans remain one of the main challenges faced by cooperatives, particularly when the loan eligibility assessment process is still conducted manually. This traditional approach tends to be time consuming,… nsuming, subjective, and prone to inaccurate decisions. This study aims to develop a predictive model for borrower eligibility using the Support Vector Machine (SVM) algorithm as a more efficient and objective machine learning-based solution. A total of 1,000 loan history records were processed using RapidMiner software, taking into account variables such as salary, years of employment, loan amount, monthly installment, employment status, monthly expenses, number of dependents, housing status, age, and collateral value. The model’s performance was evaluated using a confusion matrix and classification metrics including accuracy, precision, recall, and kappa. The results indicate that the SVM model achieved an accuracy of 90.05%, precision of 90.13%, recall of 90.05%, and f1 score of 90,08%, reflecting a strong performance in classifying borrower eligibility. The application of this method makes a significant contribution to the development of data driven decision support systems within cooperative environments. This finding expands the scientific understanding in the field of microfinance and supports the implementation of artificial intelligence technologies in making decisions that are more precise, rapid, and accurate. Keywords: cooperative; eligibility prediction; machine learning; non-performing loan; SVM Abstrak: Kredit macet merupakan salah satu permasalahan utama yang dihadapi koperasi, terutama ketika proses penilaian kelayakan peminjam masih dilakukan secara manual. Pendekatan ini cenderung lambat, subjektif, dan berisiko menghasilkan keputusan yang kurang akurat. Penelitian ini bertujuan untuk membangun model prediksi kelayakan peminjam menggunakan algoritma Support Vector Machine (SVM) sebagai solusi berbasis machine learning yang lebih efisien dan objektif. Sebanyak 1.000 data riwayat pinjaman diolah menggunakan tools RapidMiner dengan mempertimbangkan variabel: gaji, lama bekerja, besar pinjaman, angsuran per bulan, status pegawai, pengeluaran bulanan, jumlah tanggungan, status rumah, umur, dan nilai jaminan. Evaluasi model dilakukan menggunakan confusion matrix dan metrik klasifikasi seperti akurasi, presisi, recall, dan kappa. Hasil menunjukkan bahwa model SVM mencapai akurasi  90,05%, presisi 90,13%, recall 90,05%, dan f1 score 90,08%, yang mencerminkan performa model yang sangat baik dalam mengklasifikasikan kelayakan peminjam. Penerapan metode ini memberikan kontribusi penting dalam pengembangan sistem pendukung keputusan berbasis data di lingkungan koperasi. Temuan ini memperluas wawasan keilmuan di bidang keuangan mikro dan mendukung penerapan teknologi kecerdasan buatan dalam pengambilan keputusan yang lebih tepat, cepat, dan akurat. Kata Kunci: koperasi; kredit macet; machine learning; prediksi kelayakan; SVM    

AUTOMATIC SPEECH RECOGNITION (ASR) BASED ON PROGRESSIVE WEB APPS TO DEVELOP PRONUNCIATION LEARNING

Iqbal, Muhammad
Abstract: Abstract: Good pronunciation plays a crucial role in enhancing students' confidence, encouraging active participation in learning, and preparing them for academic and professional opportunities, such as English-language… interviews. Poor pronunciation during scholarship or job interviews can hinder the interviewer's understanding, thereby reducing the chances of acceptance. This study aims to improve students' pronunciation fluency and develop a learning medium based on Automatic Speech Recognition (ASR) technology. The method employed involves the development of Progressive Web Apps (PWA) integrated with ASR technology from the app.lumi.education platform, supported by manual labeling for pronunciation validation. The research was conducted at LKP Vijaya Learning Centre, Tanjungbalai City. The results demonstrate that ASR-based media significantly enhances students' pronunciation accuracy and confidence. Thus, the integration of ASR technology into PWA effectively supports innovative and efficient pronunciation learning.             Keywords: automatic speech recognition; language learning; pronunciation; web-based application.    Abstrak: Pengucapan yang baik berperan penting dalam meningkatkan kepercayaan diri siswa, mendorong partisipasi aktif dalam pembelajaran, dan mempersiapkan mereka menghadapi peluang akademik maupun profesional, seperti wawancara berbahasa Inggris. saat menghadapi wawancara beasiswa atau pekerjaan berbahasa Inggris, pengucapan yang buruk dapat mengurangi pemahaman pewawancara, sehingga mengurangi peluang diterima. Penelitian ini bertujuan untuk meningkatkan kelancaran pengucapan siswa dan mengembangkan media pembelajaran berbasis teknologi Automatic Speech Recognition (ASR). Metode yang digunakan adalah pengembangan Progressive Web Apps (PWA) yang terintegrasi dengan ASR dari aplikasi app.lumi.education, didukung oleh pelabelan manual untuk validasi pengucapan. Penelitian dilakukan di LKP Vijaya Learning Centre, Kota Tanjungbalai. Hasil penelitian menunjukkan bahwa media berbasis ASR secara signifikan meningkatkan akurasi pengucapan dan kepercayaan diri siswa. Dengan demikian, integrasi teknologi ASR dalam PWA terbukti mendukung pembelajaran pengucapan secara inovatif dan efisien. Kata kunci: aplikasi berbasis web; pengenalan suara otomatis; pembelajaran bahasa; pengucapan