Open AccessPEMODELAN PREFERENSI PENGAJUAN KREDIT USAHA MIKRO (KUM) DI BANK X OLEH PEMILIK USAHA MIKRO DI SURABAYA DENGAN METODE CHAID
Author(s) -
Niken Ariestanti,
Kestrilia Rega Prilianti
Publication year - 2019
Publication title -
jurnal ilmiah sains dan teknologi
Language(s) - English
Resource type - Journals
ISSN - 0216-1540
DOI - 10.24123/jst.v3i3.2287
Subject(s) - chaid , loan , preference , business , small and medium sized enterprises , government (linguistics) , finance , decision tree , computer science , statistics , mathematics , data mining , linguistics , philosophy
In the aim of developing and strengthening the micro, small and medium enterprises (MSMEs), the government of Indonesia provide financial support for MSMEs enterpreneur through commercial loans which is held by several national bank. In order to assure that the loan goes to the right enterpreneur, those banks need some information about the MSMEs entepreneur’s preference in applying the MSMEs loan. These preference could be predicted by exploring the enterpreneur’s characteristics. One of the quantitative method called CHAID (Chi-Squared Automatic Interaction Detection Analysis) has been used in this research to provide that prediction. With this method, the MSMEs enterpreneur’s preferences on loan application and loan products were modeled by two classification tree.