Klasifikasi Status Pembayaran Kredit Barang Elektronik dan Furniture Menggunakan Support Vector Machine

Abstract

Classification is the process of finding a model or function that can describe and differentiate data into classes. One application of classification is Support Vector Machine (SVM). SVM is a learning system that uses a hypothetical space in the form of linear functions in a high-dimensional feature space, trained with a learning algorithm based on optimization theory by implementing machine learning derived from statistical learning theory. The concept of classification with SVM is to find the best hyperplane to separate the two data classes and use a support vector approach. This study uses the proportion of the distribution of training data and testing data, namely 50%:50%, 70%:30%, 90%:10% and uses the SVM algorithm Polynomial kernel function with parameters =0.01, r=0.5, d =2, and C=1. This study aims to determine the results of the classification of the credit payment status of electronic goods and furniture and the level of classification accuracy in the SVM method. The data used is the debtor data of PT. KB Finansia Multi Finance Bontang in 2020 as many as 133 data with current and non-current credit payment status and using 7 independent variables, namely age, number of dependents, length of stay, income, years of service, large credit payments, and length of credit borrowing. The results of the SVM classification show an average accuracy value of 72.25% and the best accuracy chosen is the proportion of training data distribution and testing data 90%:10%, which is 84.62%.