<![CDATA[The Save Loan and Sharia Financing Cooperatives (KSPPS) is a financial institution that offers deposits, loans, and financing to its members while adhering to Islamic sharia rules. Customers payment behaviour is influenced by their background differences, such as age, gender, occupation, and so on. The classification method is used to determine the characteristics of members who are currently in arears or are stuck in arears. Binary Logistic Regression and Bootstrap Aggregating Classification and Regression Trees were utilized as classification methods (BAGGING CART). A Logistic Regression with binary response variables is known as a Binary Logistic Regression. By resampling 50 times, the technique with the BAGGING process is used to improve the performance of the classification using CART. Customer data from one of the KSPPS in Central Java in 2021 was used in this investigation. Gender, age, marital status, employment, education level, time period, and income were the independent variables in this study, whereas payment status was the dependent variable (not stuck and stuck). The Binary Logistic Regression approach had an accuracy of 78.67 percent with an APER 21.33 percent, a Press's Q of 24.65, and a specificity of 98.30 percent, according to the classification accuracy statistics. The accuracy of the classification produced by CART with an accuracy value of 77.33 percent with an APER 22.67 percent, the value of Press's Q is 22,413, and specificity is 94.91 percent, then approached by BAGGING process the accuracy of the resulting classification by predicting data testing accuracy value of 78.67 percent with an APER 21.33 percent, press's Q value of 24.65, and specificity of 96.61 percent. Based on these findings, it can be inferred that using the BAGGING process can increase the CART method's performance to the point where it is nearly as good as Binary Logistic Regression, which has a slightly higher classification accuracy]]>
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