Credit is a belief that one is given to a person or other entity which is concerned in the future... more Credit is a belief that one is given to a person or other entity which is concerned in the future will fulfill all the obligations previously agreed. some of the problems that often occur in the crediting institutions eg consumer arrears were previously deemed worthy of receiving credit, the breakdown of credit status. The emergence of the problem as a lack of consideration or the stability of credit analysis in determining credit worthiness when consumers apply for crediting. Therefore it is necessary to do credit analysis so as to determine the feasibility of a credit crunch, through credit analysis results, it can be seen whether the customer is feasible or not. Some of the existing problems of classification method is used to predict credit is by using models classification algorithm C4.5 After testing with the model showed that 90.99% and AUC value of 0.911 to the level of diagnosis Excellent Classification. and it can be concluded that the application of the C4.5 classification algorithm capable of generating patterns of creditworthiness with pinpoint accuracy and a good diagnosis
Credit is a belief that one is given to a person or other entity which is concerned in the future... more Credit is a belief that one is given to a person or other entity which is concerned in the future will fulfill all the obligations previously agreed. some of the problems that often occur in the crediting institutions eg consumer arrears were previously deemed worthy of receiving credit, the breakdown of credit status. The emergence of the problem as a lack of consideration or the stability of credit analysis in determining credit worthiness when consumers apply for crediting. Therefore it is necessary to do credit analysis so as to determine the feasibility of a credit crunch, through credit analysis results, it can be seen whether the customer is feasible or not. Some of the existing problems of classification method is used to predict credit is by using models classification algorithm C4.5 After testing with the model showed that 90.99% and AUC value of 0.911 to the level of diagnosis Excellent Classification. and it can be concluded that the application of the C4.5 classification algorithm capable of generating patterns of creditworthiness with pinpoint accuracy and a good diagnosis
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