Abstract
:Credit customers are people who use banking services or other financial services. to use bank money in its business activities, so it expects that the bank's credit can meet business capital needs. To reach information to increase profits and reduce company losses, we need a method that can provide knowledge to support the company's data. Research data can be obtained from processing classification data from credit customer data that are categorized as potential or not potential in the next credit grant. Data processing can be done using machine learning, namely classification techniques. This technique will produce a predictive churn model to determine which customer categories belong to a group. potential smooth or jammed. The Naive Bayes method was chosen because it can produce maximum accuracy with little training data. Meanwhile, the K-Nearest Neighbor method was chosen because it is robust against noise data. The performance of the two methods will be compared, so that it can be seen which method is better in classifying documents. The results obtained show that the Naive Bayes method has better performance with an accuracy rate of 70%, while the K-Nearest Neighbor method has a fairly low accuracy rate of 40%. Thus, it can be seen the accuracy value displayed by applying the classification algorithm. K-Nears Neighbors and Naïve Bayes. Parameter category. which in this study are account numbers, names of debtors, collectibility in the categories: current, DPK (on special mention), substandard, doubtful, loss. Then clarified with a description of the type of loan, collectability of ADK (computer data archive), type of business.
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