The world of banking requires a marketer to be able to reduce the risk of borrowing by keeping his customers from occurring non-performing loans. One way to reduce this risk is by using data mining techniques. Data mining provides a powerful technique for finding meaningful and useful information from large amounts of data by way of classification. The classification algorithm that can be used to handle imbalance problems can use the Random Forest (RF) algorithm. However, several references state that an optimization algorithm is needed to improve the classification results of the RF algorithm. Optimization of the RF algorithm can be done using Bagging and Genetic Algorithm (GA). This study aims to classify Bank Marketing data in the form of loan application receipts, which data is taken from the www.data.world site. Classification is carried out using the RF algorithm to obtain a predictive model for loan application acceptance with optimal accuracy. This study will also compare the use of optimization in the RF algorithm with Bagging and Genetic Algorithms. Based on the tests that have been done, the results show that the most optimal performance of the classification of Bank Marketing data is by using the RF algorithm with an accuracy of 88.30%, AUC (+) of 0.500 and AUC (-) of 0.000. The optimization of Bagging and Genetic Algorithm has not been able to improve the performance of the RF algorithm for classification of Bank Marketing data.
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