Decision Support System Using the Analytical Hierarchy Process Method in Determining Credit Recipient Eligibility

Erika Nia Devina Br Purba; Arnita; Hermawan Syahputra; Lasker P Sinaga; Adidtya Perdana

doi:10.59934/jaiea.v5i3.2256

Authors

Erika Nia Devina Br Purba Universitas Negeri Medan
Arnita Universitas Negeri Medan
Hermawan Syahputra Universitas Negeri Medan
Lasker P Sinaga Universitas Negeri Medan
Adidtya Perdana Universitas Negeri Medan

DOI:

https://doi.org/10.59934/jaiea.v5i3.2256

Keywords:

Decision Support System, Credit Eligibility, Analytical Hierarchy Process

Abstract

Banks play a fundamental role in improving public welfare by collecting funds through savings and redistributing them as credit. Although credit is the primary source of bank revenue, it carries significant risks if the feasibility analysis of prospective borrowers is flawed, potentially leading to non-performing loans that disrupt financial stability. BPR Nusantara Bona Pasogit 17 faces this challenge as it currently lacks an automated decision support system, resulting in assessments that are often inconsistent or subjective. This research aims to develop a web-based decision support system using the Analytical Hierarchy Process (AHP) method to determine credit recipient eligibility. Developed using PHP and MySQL, the system incorporates criteria management, AHP calculation processing, and automated eligibility ranking. Comprehensive validation through black-box and white-box testing confirmed that all functional components performed correctly with consistent "PASS" results. The AHP implementation produced a Consistency Ratio (CR) of 0.03797, indicating high reliability in decision-making. Criterion priority weights were identified as: Income (0.386), Character (0.219), Loan Amount (0.162), Collateral (0.103), Loan Term (0.07), and Age (0.06). System testing on 100 customer records resulted in a maximum eligibility score of 0.93501 and a minimum of 0.41839.

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