DECISION SUPPORT SYSTEM USING MOTOR CREDIT FEASIBILITY METHOD SAW (System Additive Weighting) (Case Study: PT. Federal International Finance)
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Institusion
Universitas Bhayangkara Surabaya
Author
POETRA, BICKY BIJAKSONO HARYO
Subject
Technology
Datestamp
2023-04-04 02:57:43
Abstract :
Leasing company stands with a variety of services that offer a variety of financing. In analyzing the lending process, the company formed a special division called Credit Analyst (CA). In the process of granting credit, the method used by CA is still conventional and prone to abuse of authority. In addition, the large number of credit applicants with different economic conditions and criteria also demands individual foresight in making decisions. One of the problems faced in granting credit is the risk of default in payments, which hinders the pace of company development, even in extreme conditions it can cause losses. To prevent the risk of bad credit, companies must ensure the feasibility of potential creditors before the credit agreement is approved. This process requires an analysis that involves many assessment factors. With the existence of a decision support system for the eligibility of motorcycle loans using the SAW method, it can be seen from the Condition of Economy, Character, Capital, Capacity, and Collateral of each prospective customer who applies for a loan. Based on the average results of the two methods used, it can be said that the AHP method is the best method because it has a value close to zero, namely 0.19359 compared to SAW 1.12896 and for prospective customers approved by the AHP method with 43 prospective customers, and the SAW method with candidates approved by 44 customers.
Leasing company stands with a variety of services that offer a variety of financing. In analyzing the lending process, the company formed a special division called Credit Analyst (CA). In the process of granting credit, the method used by CA is still conventional and prone to abuse of authority. In addition, the large number of credit applicants with different economic conditions and criteria also demands individual foresight in making decisions. One of the problems faced in granting credit is the risk of default in payments, which hinders the pace of company development, even in extreme conditions it can cause losses. To prevent the risk of bad credit, companies must ensure the feasibility of potential creditors before the credit agreement is approved. This process requires an analysis that involves many assessment factors. With the existence of a decision support system for the eligibility of motorcycle loans using the SAW method, it can be seen from the Condition of Economy, Character, Capital, Capacity, and Collateral of each prospective customer who applies for a loan. Based on the average results of the two methods used, it can be said that the AHP method is the best method because it has a value close to zero, namely 0.19359 compared to SAW 1.12896 and for prospective customers approved by the AHP method with 43 prospective customers, and the SAW method with candidates approved by 44 customers.
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