Analisis Penggunaan Jenis Layanan Kredit Penduduk Jawa Timur Menggunakan Association Rule

Dewi, Nisrina Roniya (2024) Analisis Penggunaan Jenis Layanan Kredit Penduduk Jawa Timur Menggunakan Association Rule. Diploma thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Sebagai salah satu pusat perekonomian di pulau Jawa, penduduk di Jawa Timur memiliki gap yang tinggi antara tingkat literasi keuangan dan pengguna produk keuangan selama Tahun 2022 dapat menyebabkan penyaluran produk keuangan kurang tepat sasaran. Selain itu, angka penyaluran kredit di Jawa Timur juga paling rendah di Jawa, padahal akses terhadap kredit penting dalam meningkatkan kesejahteraan dan perekonomian masyarakat di Jawa Timur. Tujuan penelitian ini adalah mengetahui pola penggunaan jenis-jenis layanan kredit penduduk Jawa Timur berdasarkan klasifikasi wilayah dan jenis kelamin sehingga dapat membantu lembaga keuangan dalam merancang produk dan layanan yang lebih sesuai dengan kebutuhan dan preferensi masyarakat serta untuk lebih mensegmentasi pasar agar penyaluran kredit lebih merata. Pola tersebut dipelajari dengan menggunakan teknik data mining yaitu association rule dengan Algoritma Fp-growth. Algoritma ini menerapkan struktur data tree untuk mengetahui pola perilaku terhadap penggunaan jenis-jenis layanan kredit. Pola tersebut ditentukan oleh dua metrik, yaitu support dan confidence. Jumlah layanan kredit yang paling banyak digunakan adalah 1 kemudian 2 jenis layanan kredit. Pola penggunaan layanan kredit di wilayah perkotaan cenderung pada layanan kredit dari BPR dan BUMDES yang digunakan secara bersamaan dengan layanan kredit dari perorangan, di wilayah perdesaan cenderung pada layanan kredit dari BUMDES dan lainnya yang digunakan secara bersamaan dengan layanan kredit KUR, pengguna laki-laki di Jawa Timur cenderung pada layanan kredit dari BUMDES dan Bank Umum yang digunakan secara bersamaan dengan layanan kredit dari koperasi, dan pengguna perempuan cenderung pada layanan kredit dari pinjaman online dan koperasi yang digunakan secara bersamaan dengan layanan kredit dari perorangan. Selain itu, layanan kredit pinjaman online digunakan secara bersamaan hampir dengan seluruh jenis layanan kredit.
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As one of the economic centers on the island of Java, the residents of East Java heavily utilize financial products, yet many still lack sufficient understanding or information about the financial products they use. This can lead to less targeted usage of financial products. According to Bank Indonesia, there are at least four financial service offerings deemed vital for community livelihoods, one of which is credit services. In the previous year, in 2022, East Java became the province with the lowest credit distribution on the Java island. The objective of this research is to understand the usage patterns of various credit services among the residents of East Java based on regional classifications and gender. This understanding aims to assist financial institutions in designing products and services that better align with the needs and preferences of the population. These usage patterns are studied using a data mining technique known as association rule with the FP-growth algorithm. This algorithm employs a tree data structure to identify behavioral patterns concerning access to credit services. This algorithm applies a data tree structure to determine behavior patterns towards the use of types of credit services. The pattern is determined by two metrics, namely support and confidence. The number of credit services that are most widely used is 1 then 2 types of credit services. The pattern of credit service usage in urban areas tends to be credit services from BPR and BUMDES which are used simultaneously with credit services from individuals, in rural areas tend to credit services from BUMDES and others that are used simultaneously with KUR credit services, male users in East Java tend to credit services from BUMDES and Commercial Banks which are used simultaneously with credit services from cooperatives, And female users tend to credit services from online loans and cooperatives that are used simultaneously with credit services from individuals. In addition, online loan credit services are used simultaneously with almost all types of credit services.

Item Type:	Thesis (Diploma)
Uncontrolled Keywords:	Algoritma FP-Growth, Layanan Kredit, Association Rule, Credit Service, FP-Growth Algorithm
Subjects:	H Social Sciences > HG Finance > HG3751 Credit--Management. Q Science > QA Mathematics > QA76.9.D343 Data mining. Querying (Computer science)
Divisions:	Faculty of Vocational > 49501-Business Statistics
Depositing User:	Nisrina Roniya Dewi
Date Deposited:	26 Mar 2024 04:04
Last Modified:	26 Mar 2024 04:04
URI:	http://repository.its.ac.id/id/eprint/107848

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