Sisforma: Journal of Information Systems
Vol 7, No 2: November 2020

Integration of Iterative Dichotomizer 3 and Boosted Decision Tree to Form Credit Scoring Profile

Alditama Agung Prasetyo (Universitas Kristen Satya Wacana)
Budhi Kristianto (Universitas Kristen Satya Wacana)

Article Info

Publish Date
23 Nov 2020

Abstract

Loan is becoming essential need in this modern life. Banks need to keep their NPL ratio low in order to maintain their financial health. One of customer’s screening techniques is credit scoring. Decision tree is a simple method to classify a condition into two different classes using given classifier, and widely used to perform credit scoring in the financial industry. We integrated Iterative Dichotomizer 3 and Boosted Decision Tree methods and used Microsoft Azure Machine Learning tools to perform credit score profiling. This study is cross sectional in time and using 600 instances data of loan submission in Tangerang, Indonesia. The result shows good performance with performance evaluation metric of accuracy, precision, recall, and F1 score are 0.85, 0.885, 0.793 and 0.836 respectively.

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Journal Info
Sisforma: Journal of Information Systems
Website

Abbrev

sisforma

Publisher

Universitas Katolik Soegijapranata

Subject

Computer Science & IT Education Engineering Library & Information Science

Description

SISFORMA journal published by the Information Systems Studies Program Faculty of Computer Science Soegiapranata Semarang. to accommodate the scientific writings of the ideas or studies related to information systems. Scope journal Sisforma: Topics that will be published in the journal SISFORMA ...