Penggunaan Metode Saw Dalam Mendukung Pengambilan Keputusan Penentuan Pemberian Pinjaman (Studi Kasus : Koperasi Hening Rahayu)

Jurnal Sutasoma Pub Date : 2023-12-22 DOI:10.58878/sutasoma.v2i1.244

Ni Made, Ayu Sonya Indrayanti, I. Putu, Dody Suarnatha, I. Gede, Janaka Putra

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Abstract

This research aims to implement the SAW (Simple Additive Weighting) method in supporting decision making for granting money loans to Savings and Loans Cooperatives. Hening Rahayu Savings and Loans Cooperative in Tabanan, Bali is the subject of this research. In this context, cooperatives face challenges in selecting customers who are worthy of loan services. The SAW method was chosen because of its ease of implementation and its ability to consider various relevant criteria. This method has advantages in terms of usability, error, interpretability, and computational efficiency. This research will involve collecting data on the profile of potential borrowers, loan eligibility, credit risk, and repayment capacity. This data will be analyzed using the SAW method to produce a final score for each prospective borrower. This score will be used as a basis for making decisions about granting loans. By using the SAW method, it is hoped that the Hening Rahayu Cooperative can speed up and simplify the decision-making process regarding granting loans. It is hoped that the results of this research can contribute to the development of technology in the savings and loan cooperative sector. Further research could involve developing other methods to support decision making or making the SAW method a system that can support decision making in different savings and loan cooperative contexts.

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使用 Saw 法支持贷款决策（案例研究：Hening Rahayu 合作社）

本研究旨在采用 SAW（简单加权法）为储蓄贷款合作社发放贷款的决策提供支持。巴厘岛塔巴南市的 Hening Rahayu 储贷合作社是本研究的对象。在这种情况下，合作社在选择值得获得贷款服务的客户时面临挑战。之所以选择 SAW 方法，是因为该方法易于实施，而且能够考虑各种相关标准。这种方法在可用性、误差、可解释性和计算效率方面都具有优势。这项研究将涉及收集有关潜在借款人概况、贷款资格、信贷风险和还款能力的数据。将使用 SAW 方法对这些数据进行分析，以得出每个潜在借款人的最终得分。该分数将作为发放贷款的决策依据。希望通过使用 SAW 方法，Hening Rahayu 合作社能够加快并简化发放贷款的决策过程。希望这项研究的成果能够促进储蓄和贷款合作社领域的技术发展。进一步的研究可能涉及开发其他支持决策的方法，或使 SAW 方法成为一个可支持不同储蓄和贷款合作社决策的系统。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Jurnal Sutasoma

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