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ITS » Master Theses » MANAJEMEN KINERJA STRATEGIS
Posted by aprill@is.its.ac.id at 09/01/2014 07:37:08  •  1275 Views


PERANCANGAN MODEL PENGAMBILAN KEPUTUSAN PEMBERIAN KREDIT USAHA RAKYAT DENGAN METODE FUZZY AHP-DEA

DESIGN OF BANK LOAN DECISION MODEL FOR SMALL AND MEDIUM ENTERPRISES USING FUZZY AHP-DEA METHOD

Author :
PERMATAVITRI, DIAN EKA  ( 2511205004 )




ABSTRAK

Proses pengambilan keputusan yang terkait dengan kredit khususnya untuk UMKM merupakan keputusan yang kompleks tidak seperti halnya perusahaan-perusahaan besar. UMKM walaupun disadari memiliki arti yang penting bagi pertumbuhan ekonomi Indonesia masih menghadapi beberapa permasalahan mendasar terkait dengan pembiayaan usaha melalui kredit bank. Salah satu bentuk umum adalah tidak adanya agunan yang memadai walaupun usaha yang dimiliki layak. Penelitian ini mengajukan suatu usulan penggunaan secara integrasi metode Fuzzy Analytical Hierarchy Process FAHP untuk memilih kriteria-kriteria penting dalam analisa kredit dan menilai efisiensi kelayakan UMKM dengan Data Envelopment Analysis DEA. Hasil penelitian ini menunjukkan bahwa kriteria-kriteria penting yang mendukung keefisienan UMKM adalah personality value solvabilitas perusahaan dan aktivitas perusahaan. Penelitian ini telah menghasilkan rancangan model keputusan pemberian kredit usaha rakyat dengan metode Fuzzy AHP-DEA yang telah diimplementasikan untuk memeringkat UMKM yang mengajukan kredit disalah satu Bank penyalur KUR di Surabaya. Informasi peringkat diperoleh dari nilai efisiensi setiap UMKM yang diteliti. Nilai efisiensi dengan skor 100 atau sama dengan satu dikonversikan sebagai peringkat pertama. UMKM yang dinyatakan efisien dan menduduki peringkat pertama adalah Suroso Amirul Marsuto dan Miftahul. Dengan mengintegrasikan sistem analisa kelayakan kredit yang telah ada di setiap perbankan dan posisi peringkat UMKM permasalahan kredit macet dapat dihindari.


ABSTRACT

Decision-making process related to credit especially for SMEs is a complex decision it isnt like corporate companies. Although SMEs is realized has significant meaning for the economic growth of Indonesia it still faces some fundamental issues related to business financing through bank loans. One common form is the absence of adequate collateral despite a decent business. This study proposes a method of integration of Fuzzy Analytical Hierarchy Process FAHP to choose the important criterias in analyzing and assessing the credit worthiness of SMEs efficiency with Data Envelopment Analysis DEA. These results indicate that the essential criterias that support the efficiency of SMEs are the personality value the solvency of the company and the companys activities. This research has produced a decision model to provide SMEs loans with Fuzzy AHP-DEA method that has been implemented to rank SMEs. It has been applied for a loan in Surabaya. Ranking information has been obtained from the efficiency of each SMEs studied. Value of the efficiency score of 100 is equal to the first rank. SMEs were expressed efficiently and was ranked first were Suroso Amirul Marsuto and Miftahul. By integrating systems analysis of credit worthiness that has existed in banking and SMEs ranking position bad credit problems can be avoided.



Keywordsdata envelopment analysis; fuzzy ahp; kredit usaha rakyat; dan umkm
 
Subject:  pengambilan keputusan
Contributor
  1. Dr. Ir. I Ketut Gunarta, M.T
  2. Prof. Dr. Ir. Udisubakti Ciptomulyono, M.Eng.Sc
Date Create: 26/07/2013
Type: Text
Format: pdf
Language: Indonesian
Identifier: ITS-Master-25003140000463
Collection ID: 25003140000463
Call Number: RTI 658.403 Per p


Source
Master Thesis of Industrial Engineering, RTI 658.403 Per p, 2014

Coverage
ITS Community

Rights
Copyright @2014 by ITS Library. This publication is protected by copyright and per obtained from the ITS Library prior to any prohibited reproduction, storage in a re transmission in any form or by any means, electronic, mechanical, photocopying, reco For information regarding permission(s), write to ITS Library




[ Download - Open Access ]

  1.  ITS-Master-28869-2511205004-Abstract_id.pdf - 180 KB
  2.  ITS-Master-28869-2511205004-Abstract_en.pdf - 228 KB
  3.  ITS-Master-28869-2511205004-Conclusion.pdf - 185 KB




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