<![CDATA[This study aims to classify potential customers’ characteristics based on non- performing loans through the random forest method. This research uses data obtained from Syariah Mandiri Bank branch in Jambi, which includes data on micro-financing customers in years 2016–2020. The random forest method is used for analysis. The novelty of this work is that, unlike existing researches that used other soft-computing methods, we employ Random Forest method, specifically using an imbalanced class sampling technique. The obtained results show that credit risk can be estimated by taking into account factors such as age, monthly installments, margin, price of insurance, loan principal, occupation, and long installments. The research results indicate that the sensitivity, precision, and G-mean value increase compared to using the original data. Random forest with oversampling technique has the high Area Under the ROC Curve score that is equal to 66.69%.]]>
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