A Web-Based Credit Financing Eligibility Determination System for Multifinance Companies Using the Fuzzy Tsukamoto Method
DOI:
https://doi.org/10.69916/jkbti.v5i3.575Keywords:
Decision Support System, Credit Eligibility, Fuzzy Tsukamoto, Financing Company, Waterfall ModelAbstract
The credit eligibility analysis process in a financing company is a crucial stage in
minimizing the risk of non-performing loans. However, the assessment process
that still relies on the subjective interpretation of credit analysts potentially
leads to inconsistencies in decision-making. This issue also occurs at PT
Mandiri Utama Finance Bekasi Branch, which has shown a declining trend in
financing performance based on the indicators of End Net Receivables (ENR),
Total Over Due (TOD), and Net Credit Loss (NCL). This study aims to design
and develop a web-based decision support system that can assist in determining
credit financing eligibility by applying the Fuzzy Tsukamoto method based on
the 5C principles (Character, Capacity, Capital, Collateral, and Condition).
The research methods employed include observation, interviews, and literature
studies. System development was carried out using the Waterfall model,
comprising requirement analysis, system design, implementation, testing,
deployment, and maintenance phases. The Fuzzy Tsukamoto method was
utilized to process data containing uncertainty through fuzzification, IF-THEN
rule-based inference, and defuzzification to generate credit eligibility scores.
The expected result of this study is the creation of a web-based decision
support system capable of providing credit eligibility recommendations that
are more objective, consistent, and structured. Consequently, the developed
system can assist credit analysts in the decision-making process and support
the company’s efforts to minimize the risk of problematic financing.
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Copyright (c) 2026 Al Ihsan Fauzi Ardilla, Achmad Noe’man, Herlawati
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