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
Abstract:Abstract: Ms Glow Putri Shop is a business that operates in the beauty sector, selling beauty products, namely skincare and bodycare, which are useful for maintaining healthy body and facial skin. However, Ms Glow Putri…
currently often experiences problems, namely tight competition and inventory management that is less effective in terms of sales numbers. Every month reaching ±1300 products, Ms Glow Putri also often experiences shortages and build-ups in skincare and bodycare stocks. This can reduce customer confidence so that Ms Giow Putri often experiences losses in the form of finance and other things, so this method is needed to predict some skincare and other stock supplies. bodycare provided in the following month. This method uses the Weighted Moving Average and Single Exponentiation Smoothing methods to predict supplies of skincare and bodycare stocks. The results of research on Ms GIow daughter using the Weight Moving Average Method with a weight of 5 with a MAPE of 1.08% and the SingIe Exponentiation Smooting Method with an Alpha of 0.1, namely 0.84%, then the comparison between the two methods can be stated that the SES method is the best method good, because it has the lowest error.
Keywords: forecasting; ms glow putri; ses and wma
Abstrak: Toko Ms Glow Putri adalah usaha yang bergerak di bidang kecantikan, menjual produk kecantikan yaitu skincare dan bodycare berguna untuk menjaga agar kesehatan kulit tubuh dan wajah tetap terjaga. Namun Ms Glow Putri saat ini sering kali mengalami permasalahan yaitu persaingan yang ketat dan manajemen persediaan yang kurang efektif dengan jumlah penjualanan. Setiap bulan mencapai ±1300 produk maka Ms Glow Putri juga sering mengalami kekurangan dan penumpukan pada stok skincare dan bodycare ini dapat mengurangi kepercayaan pelanggan sehingga Ms Glow Putri sering mengalami kerugian berupa finance dan lainnya maka perlu metode ini untuk memprediksi beberapa persediaan stok skincare dan bodycare yang disediakan pada priode di buIan berikutnya. Metode ini menggunakan metode Weighted Moving Averege dan Single Exponential Smoothing untuk memprediksi persediaan pada stok skincare maupun bodycare. HasiI penelitian pada Ms GIow Putri dengan mengggunakan Metode Weight Moving Averege dengan bobot 5 dengan MAPE 1,08% dan Metode Single Exponential Smooting dengan Alpha 0,1 yaitu 0,84% maka perbandingan antara dua metode tersebut dapat dinyatakan bahwa metode SES adaIah metode paling baik karena memiliki error terendah.
Kata kunci: ms glow putri; peramalan; ses dan wma
Abstract:Abstract: Artificial Intelligence (AI) is currently gaining popularity across various industries, including healthcare, finance, and others. In this study, AI technology is employed to devise an optimal marketing strategy…
y for Code Verse Computer Accessories Store using the K-Means algorithm. As part of machine learning, the K-Means algorithm, categorized under unsupervised learning, is implemented to cluster sales data for computer accessory products over the last three months of 2023. The results of the K-Means analysis identify two main clusters. Cluster one (Cluster 1) comprises products such as Mouse, Keyboard, Monitor, Headset, and Speaker, indicating consistent purchasing patterns and high consumer interest. Recommendations are made to increase stock for Cluster 1. Meanwhile, Cluster two (Cluster 2) consists of Mic products with lower interest, and it is not advisable to increase stock. The implementation of K-Means provides insights into purchasing patterns, enabling Code Verse to develop more effective marketing and inventory management strategies.
Keywords: K-Means algorithm; artificial intelligence; clustering
Abstract: Kecerdasan Buatan (AI) kini meraih popularitas dalam berbagai industri, termasuk sektor kesehatan, keuangan, dan lainnya. Pada penelitian ini, teknologi AI digunakan untuk merancang strategi pemasaran optimal bagi Toko Aksesoris Komputer CodeVerse dengan menggunakan Algoritma K-Means. Sebagai bagian dari machine learning, Algoritma K-Means, yang termasuk dalam kategori unsupervised learning, diimplementasikan untuk mengelompokkan data penjualan produk selama tiga bulan terakhir tahun 2023. Hasil dari analisis K-Means mengidentifikasi dua cluster utama. Cluster pertama (Cluster 1) terdiri dari produk Mouse, Keyboard, Monitor, Headset, dan Speaker, menunjukkan pola pembelian yang konsisten dan tingginya minat konsumen. Rekomendasi untuk menambah stok diberikan. Sementara itu, Cluster kedua (Cluster 2) terdiri dari produk Mic dengan minat lebih rendah, dan tidak disarankan untuk menambah stok. Implementasi K-Means memberikan wawasan tentang pola pembelian, memungkinkan CodeVerse mengembangkan strategi pemasaran dan manajemen persediaan yang lebih efektif.
Keywords: Algoritma k-means; kecerdasan buatan; clustering
Abstract:This study examines the influence of the Technology Acceptance Model (TAM), focusing on Perceived Ease of Use (PEOU) and Perceived Usefulness (PU), on users’ Behavioral Intention (BI) to adopt and continue using M-Din, a…
a Sharia-based mobile banking application at Bank Muamalat in West Java. Employing a quantitative survey of 100 active M-Din users, data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that PEOU significantly affects PU, and both PEOU and PU significantly influence BI; additionally, PU partially mediates the effect of PEOU on BI. This research contributes to the digital banking literature by reaffirming TAM constructs within an Islamic finance context and offers practical recommendations for optimizing Sharia-compliant mobile banking strategies. Implications for enhancing user interface design and promoting key features to boost adoption are discussed.
Abstract:Objectives - Intellectual curiosity about Islamic entrepreneurship, Islamic finance and Sustainable Development Goals (SDGs) whose issues have increased recently in various sharia sectors. Design/Methodology/approach - Based…
ased on the scopus database, descriptive bibliometric analysis with the visualization tool VosViewer was used to assess 385 documents on Islamic entrepreneurship, Islamic Finance and SDGs, which peaked in 2024 based on the period of 2010-2024. Findings- This study found many articles on Islamic entrepreneurship, Islamic finance and the SDGs. According to this study, Malaysia is the country that publishes the most publications of this research compared to other countries. Then the University of Brunei Darussalam was the most prolific affiliate to publish articles on this. The history of article production growth that started from 2010-2024, continues to increase and peaks in 2024, with 55 documents and the lowest number of documents in 2010 with 10 published documents. This is increasing because there may be a need for sharia synergy to increase Islamic entrepreneurship in Islamic finance and sustainable development (SDGs). Romadoni, V as the most prolific writer about this research. Islamic entrepreneurship, Islamic finance and SDGs provide the potential for sustainable development and is in line with the goals of sharia, namely maqashid sharia for the benefit of the ummah, this encourages sustainable development (SDGs) through Islamic entrepreneurship and Islamic finance. Practical Implications - Research can be used as a useful research proposal for future researchers who use bibliometric methods in systematic literature review by introducing the network of various variables related to this research, then by getting to know famous authors in the field can provide opportunities to collaborate for further research. In addition, this study makes it easier for future researchers to be able to expand even more by looking at the variables obtained in this study as gaps to be researched further.
Abstract:This study aims to analyze the role of local government treasurers in regional financial management, especially in terms of administration and preparation of accountability reports. Based on the importance of accountability…
ity and transparency in public financial management, treasurers play a key role in ensuring that regional budget management runs well. This study uses a qualitative method with a literature study approach . review ), where data were obtained from books, journals, laws and regulations, and regional financial reports. The analysis was conducted by exploring various concepts regarding the types of treasurers, their duties and authorities, and the challenges faced in the process of preparing regional financial accountability reports. The results of the study indicate that there are three types of regional government treasurers, namely expenditure treasurers, revenue treasurers, and goods treasurers, each of which has its own duties and roles in managing regional finances. The treasurer's duties include recording, reporting, and accountability for budget use, with great authority in managing regional funds. However, significant challenges are faced in the administration process , such as the complexity of the accounting system and limited competent human resources. In conclusion, to improve the quality of regional financial reports, improvements are needed in the financial information system, increased treasurer competence, and better coordination between treasurers and related agencies. Thus, regional financial management can be more transparent, accountable , and efficient
Abstract:This study aims to analyze the role of fiscal decentralization in enhancing regional financial independence in Indonesia. Using a qualitative approach and literature review methodology, the research examines the role of…
fiscal decentralization in promoting regional financial autonomy in Indonesia. The analysis compares the effectiveness of fiscal decentralization policies in fostering financial independence across various regions in the country. Fiscal decentralization has demonstrated positive impacts by granting regions greater freedom to determine development priorities and explore funding sources. Regions with strong economic potential and natural resources can increase their locally generated revenue (Pendapatan Asli Daerah or PAD) to support development. However, this policy also creates disparities among regions, where wealthier regions manage their finances independently while poorer regions remain reliant on central government transfers. Moreover, limited managerial capacity in some regions hampers the policy's effectiveness. Fiscal decentralization can strengthen regional financial independence if accompanied by enhanced financial management capacity and fiscal policy adjustments.
Abstract:This study explores the influence of financial literacy, financial inclusion, and lifestyle on financial management among millennials, with a case study of students from the Faculty of Economics and Business at Universitas…
as Pelita Bangsa. Using a quantitative approach and purposive sampling technique, data were collected from 100 respondents through a questionnaire and analyzed using multiple linear regression. The results show that financial literacy, financial inclusion, and lifestyle positively and significantly impact student financial management, with significance values of 0.000 and 0.007 (< 0.05). These findings highlight the importance of these three factors in managing finances in the millennial era.
Abstract:Penelitian ini bertujuan untuk menganalisis pengaruh perubahan proses bisnis, perubahan organisasi, dan strategi bisnis terhadap kinerja perusahaan pada PT. BNI Multifinance. Transformasi bisnis merupakan langkah strategis…
is perusahaan dalam menghadapi tantangan dan peluang di era persaingan yang dinamis. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan kinerja perusahaan dalam kurun waktu tahun 2021-2023 yaitu kurun waktu pra transformasi dan paska transformasi. Metode analisis yang digunakan adalah regresi linier berganda dengan bantuan perangkat lunak EViews. Hasil penelitian menunjukkan bahwa masing-masing variabel perubahan proses bisnis, perubahan organisasi, dan strategi bisnis memiliki pengaruh terhadap kinerja Perusahaan. Temuan ini mengindikasikan bahwa transformasi bisnis yang dilakukan secara terencana dan berkelanjutan dapat menjadi faktor penentu dalam peningkatan kinerja PT. BNI Multifinance.
Abstract:Studi ini mengeksplorasi pemahaman dan preferensi keuangan Islam di kalangan Generasi Z dengan merujuk pada Surah Al-Kahfi ayat 46. Generasi Z, sebagai kohort yang tumbuh dalam era digital dan globalisasi, memiliki peran…
yang semakin penting dalam perkembangan ekonomi global. Metode penelitian kualitatif digunakan untuk memperoleh wawasan mendalam tentang perspektif dan keyakinan finansial generasi ini, sementara ayat 46 dari Surah Al-Kahfi dipilih sebagai landasan teologis untuk menafsirkan nilai-nilai keuangan Islam. Hasil penelitian menunjukkan bahwa, meskipun terpapar pada budaya global, Generasi Z menunjukkan minat yang signifikan terhadap konsep dan prinsip keuangan Islam, sebagaimana dijelaskan dalam Surah Al-Kahfi ayat 46. Pemahaman mereka tentang nilai-nilai ini mempengaruhi preferensi mereka terhadap produk dan layanan keuangan. Implikasi dari temuan ini untuk industri keuangan dan pembuat kebijakan disajikan, dengan menyoroti pentingnya memahami dan mengakomodasi preferensi generasi muda dalam pembangunan ekonomi berkelanjutan yang lebih inklusif, sejalan dengan ajaran Surah Al-Kahfi ayat 46. Penelitian ini bertujuan untuk memberikan kontribusi pada pemahaman yang lebih baik tentang bagaimana nilai-nilai keuangan Islam, sebagaimana tercantum dalam Al-Qur'an, dapat membimbing transformasi ekonomi global menuju keberlanjutan dan inklusivitas yang lebih besar.