KLASIFIKASI CALON DEBITUR KREDIT PEMILIKAN RUMAH (KPR) MULTIGUNA TAKE OVER MENGGUNAKAN METODE k NEAREST NEIGHBOR DENGAN PEMBOBOTAN GLOBAL GINI DIVERSITY INDEX

Abstract

House credit (KPR) is a credit facilities for buying or other comsumptive needs with house warranty. The warranty for KPR is the house that will be purchased. The warranty for KPR multiguna take over is the house that will be owned by debtor, and then debtor is taking over KPR to another financial institution. For fulfilled the credit to prospective debtor is done by passing through the process of credit application and credit analysis. With the credit analysis, will acknowledge the ability of debtor for repay a credit. Final decision of credit application is classified into approved and refused. k Nearest Neighbor by attributes weighting using Global Gini Diversity Index is a statistical method that can be used to classify the credit decision of prospective debtor. This research use 2443 data of KPR multiguna take over’s prospective debtor in 2018 with credit decision of prospective debtor as dependent variable and four selected independent variable such as home ownership status, job, loans amount, and income.  The best classification result of k-NN by Global Gini Diversity Index weighting is when using 80% training data set and 20% testing data set with k=7 obtained  APER value 0,0798 and accuracy 92,02%.

Keywords: KPR Multiguna Take Over, Classification, KNN by Global Gini Diversity Index weighting, Evaluation of Classification