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All Journal JITK (Jurnal Ilmu Pengetahuan dan Komputer) Dinamisia: Jurnal Pengabdian Kepada Masyarakat Informatika : Jurnal Informatika, Manajemen dan Komputer Jurnal ICT : Information Communication & Technology Dedikasi Sains dan Teknologi (DST) Jurnal J-PEMAS Internet of Things and Artificial Intelligence Journal Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS The Indonesian Journal of Computer Science
Budy Satria
Institut Teknologi Mitra Gama
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Journal : Informatika : Jurnal Informatika, Manajemen dan Komputer

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ANALISA KELAYAKAN KREDIT PINJAMAN RUMAH MENGGUNAKAN METODE WEIGHTED PRODUCT PADA PT. X FINANCE Teuku Radillah; Hafiz Mursalan; Budy Satria; Darmansah Darmansah
I N F O R M A T I K A Vol 14, No 2 (2022): DESEMBER 2022
Publisher : STMIK DUMAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36723/juri.v14i2.450

Abstract

Analisa rekomendasi kelayakan pencairan dana Kredit Pinjaman Rumah (KPR) sangat penting dilakukan untuk mencegah terjadinya pembayaran kredit macet, dan mengganggu sistem cash flow antara pencairan pemberian kredit dengan siklus piutang yang ditagihkan. Untuk mencegah masalah tersebut diperlukan suatu aplikasi berbasis metode Weighted Product (WP) yang mampu melakukan filter untuk menentukan kelayakan pencairan kredit secara komputerisasi berdasarkan kriteria status tempat tinggal, penghasilan pokok, penghasilan sampingan, kemampuan pembayaran, dan agunan/jaminan  yang dideskripsikan menjadi faktor-faktor pendukung yang memiliki bobot perhitungan untuk menjadi acuan untuk mengambil keputusan dalam kelayakan pencairan kredit rumah. Dari penelitian analisa KPR menggunakan metode WP ini diharapkan dapat memberikan kemudahan dalam pengambilan keputusan kelayakan calon nasabah dalam pengajuan permohonan pinjaman KPR secara efektif berdasarkan kriteria dan sistem pembobotan yang telah ditentukan. Kata kunci— Analisa Kelayakan; Kredit Rumah; metode weighted productAnalysis of recommendations for the feasibility of disbursing Home Loan Credit funds is very important to do to prevent bad credit payments, and to disrupt the cash flow system between disbursement of credit and the cycle of receivables that are billed. To prevent this problem, an application based on the Weighted Product (WP) method is required which is able to perform filters to determine the eligibility of computerized credit disbursements based on the criteria of residence status, basic income, side income, payment ability, and collateral / guarantees which are described as factors. supporters who have calculated weights to become a reference for making decisions in the feasibility of disbursing home loans. From this research, the KPR analysis using the WP method is expected to provide convenience in making decisions on the eligibility of prospective customers in submitting applications for mortgage loans effectively based on predetermined criteria and weighting systems.Keywords : Feasibility Analysis; Home Loans; Weighted Product Method
Co-Authors Abdussalam Al Akbar Acihmah Sidauruk Adi Prastya Afifah Nur Latifah Alex Rizky Saputra Alimuddin Yasin Andi Prayogi Astiti, Sarah Budi Permana Putra Chalida Hanum Darmansah Darmansah Dori Gusti Alex Candra Elfitra Elsa Elvira Awal Hafiz Mursalan Irman Efendi Irzon Meiditra Leonard Tambunan Muhammad Akbar Syahbana Pane Mulia Sulistiyono Nurcholis, Muhammad Tofa Nurdi Afrianto Raditya Wardhana Ratu Mutiara Siregar Resad Setyadi Sepriano Sepriano Teuku Radillah Teuku Radillah Tomy Nanda Putra Yessi Ratna Sari