Recommendations For Giving Loans Using The Multi Objective Optimization Method Based On Ratio Analysis Khaerul Manaf (a*), Agung Wahana (b), Finki Anjani (c), SW Pitara (d)
a,d) Information Systems,Faculty of Engineering,Universitas Sangga Buana,Jalan PHH Mustofa No.68 , Bandung 40124, Indonesia.
b,c)Informatics,Science and Technology,UIN Sunan Gunung Djati Bandungn Jl. A.H. Nasution No.105, Bandung 40614, Indonesia.
Abstract
Cooperatives engaged in savings and loans have obstacles in loan operations, namely the provision of lending recommendations by the rules less effective and efficient in determining the feasibility decision for a loan proposal that is quite a lot so it is less selective in making decisions. To assist cooperative management in determining the eligibility of loans by providing fair, objective and transparent assessments, a recommendation system that can help the selection process is under predetermined criteria. The methodology used in this system is the method of Multi-Objective Optimization on The Base of Ratio Analysis (MOORA) because this method has a good level of selectivity in determining an alternative. From 5 examples of loan applications that have been registered in this system are managed by officers using the MOORA method, an optimization value of 0.96 or a borrowers risk is obtained, which is then approved by the supervisor. With this Loan Recommendation, it is expected to make it easier for officers in the selection process to determine the eligibility of loans so that the results of the assessment can be easily, quickly and accurately known.
