Employee welfare financing system with support vector machine and Naïve Bayes to Syariah banking

Abstract

Bank JABAR Banten (BJB) Syariah KCP Sawangan is a Sharia Bank that conducts its operations based on sharia principles, currently BJB Syariah KCP Sawangan does not yet have an application to assist branch heads in making decisions for prospective customers for financing employee welfare (PKP). What often happens is the process of analyzing input data in determining the assessment of the attributes of the house specifications that customers are looking for and the classification of prospective customers still using Microsoft Excel tools. Approval of financing provision is still relatively long, namely 1 week after analysis from the financing admin. The purpose of making this application is to assist branch heads in determining potential customers who are eligible for employee welfare financing based on the 5 C assessment principles, namely character, capital, capacity, condition, and collateral. This application was created using the Support Vector Machine approach and the Naive Bayes classification method.