KLASIFIKASI PEMBERIAN KREDIT SEPEDA MOTOR MENGGUNAKAN METODE REGRESI LOGISTIK BINER DAN CHI-SQUARED AUTOMATIC INTERACTION DETECTION (CHAID) DENGAN GUI R (Studi Kasus: Kredit Sepeda Motor di PT X)

Abstract

One of the factors causing the bankruptcy of a company is bad credit. Therefore, prospective customers need to be selected so that bad credit cases can be minimized. This study aims to determine the classification of credit granting to prospective customers of company X in order to reduce the risk of bad credit. The method used is the binary logistic regression method and the Chi-Squared Automatic Interaction Detection (CHAID) method. In this study, data used in November 2019 were 690 motorcycle credit data for company X in Gresik. The independent variables in this study are the factors that affect bad credit such as gender, marital status, education, employment, income, expenses, home ownership status and the dependent variable is credit status (bad and current). The analysis results show that the binary logistic regression has an accuracy value of 76.38% with an APER of 23.62%, while CHAID has an accuracy value of 93.19% with an APER of 6.81%. The accuracy value of the CHAID method is greater than the binary logistic regression method, while the APER value of the CHAID method is smaller than the binary logistic regression method. So it can be concluded that the CHAID method is better than the binary logistic regression method in classifying bad credit at company X. Keywords: Credit, Classification, Binary Logistic Regression, CHAID.