<![CDATA[To reduce credit risk in credit institutions, credit risk management practices need to be implemented so that lending institutions can survive in the long term. Data mining is one of the techniques used for credit risk management. Where data mining can find information patterns from big data using classification techniques with the resulting level of accuracy. This research aims to increase the accuracy of classification algorithms in predicting credit risk by applying genetic algorithms as the best feature selection method. Thus, the most important feature will be used to search for credit risk information. This research applies a classification method using the XGBoost classifier on the Australian credit dataset, then carries out an evaluation by measuring the level of accuracy and AUC. The results show an increase in accuracy of 2.24%, with an accuracy value of 89.93% after optimization using a genetic algorithm. So, through research on genetic algorithm feature selection, we can improve the accuracy performance of the XGBoost algorithm on the Australian credit dataset.]]>
Copyrights © 2024
