Implementation of the Naïve Bayes Algorithm in Credit Card Approval Classification at Bank Central Asia (BCA)
Abstract Views: 3
PDF Downloads: 6
DOI:
https://doi.org/10.56211/tsabit80Keywords:
Naïve Bayes Algorithm;; BCA Bank Credit Card Approval;; Use Training Set;
Abstract
Credit card approval is a financial facility that allows a person or business entity to borrow money to purchase products and repay it within a mutually agreed time. Researchers used a credit card approval dataset (Clean Data) of 200 data with 6 atributes. In conducting the analysis, researchers used the WEKA tools. In this study the author wants to classify the data to predict whether or not it is appropriate to grant a credit card. The method used is the Naïve Bayes Algorithm method. In this study, the data was split by 60:40, 70:30, and 80:20. The author also obtained different accurasy result, namely in the Weka data Testing tool 20% using the use Training Set obtained the highest accuracy of 87.68% compared to the lowest accuracy in the 30% testing data using the use Training Set, which is 80.60% The Naïve Bayes Algorithm can be said to be one of the effective Algorithm both in the terms of calculations and final results where the test can be used as a basis for credit card approval.
Downloads
References
Book: Single Author
[1] Indah Purnama Sari. Algoritma dan Pemrograman. Medan: UMSU Press, 2023, pp. 290.
[2] Indah Purnama Sari. Buku Ajar Pemrograman Internet Dasar. Medan: UMSU Press, 2022, pp. 300.
[3] Indah Purnama Sari. Buku Ajar Rekayasa Perangkat Lunak. Medan: UMSU Press, 2021, pp. 228.
Book: Two or More Authors
[4] Janner Simarmata Arsan Kumala Jaya, Syarifah Fitrah Ramadhani, Niel Ananto, Abdul Karim, Betrisandi, Muhammad Ilham Alhari, Cucut Susanto, Suardinata, Indah Purnama Sari, Edson Yahuda Putra. Komputer dan Masyarakat. Medan: Yayasan Kita Menulis, 2024, pp.162.
[5] Mahdianta Pandia, Indah Purnama Sari, Alexander Wirapraja Fergie Joanda Kaunang, Syarifah Fitrah Ramadhani Stenly Richard Pungus, Sudirman, Suardinata Jimmy Herawan Moedjahedy, Elly Warni, Debby Erce Sondakh. Pengantar Bahasa Pemrograman Python. Medan : Yayasan Kita Menulis, 2024, pp.180
[6] Zelvi Gustiana Arif Dwinanto, Indah Purnama Sari, Janner Simarmata Mahdianta Pandia, Supriadi Syam, Semmy Wellem Taju Fitrah Eka Susilawati, Asmah Akhriana, Rolly Junius Lontaan Fergie Joanda Kaunang. Perkembangan Teknologi Informatika. Medan: Yayasan Kita Menulis, 2024, pp.158
Journal Article from the Internet
[7] NA Rahman (2024) Waiting Period of Telkom University Student Alumni Using K-Nearest Neighbor and Naïve Bayes
[8] PP Wulan dan H Basri (2024) Analisis Sentimen Terhadap Layanan Nasabah Bank Menggunakan Klasifikasi Naïve Bayes. Vol 3 No 2
[9] H Aliyah, S Masyithoh (2024) Peran Teknologi Digital Dalam Meningkatkan Kualitas Pembelajaran Di Sekolah. Vol 1 No 2
[10] H Hartatik, AY Rukhmana, E Efitra, IR Mukhlis (2023) TREN TECHNOPRENEURSHIP : Strategi dan Inovasi Pengembangan Bisnis Kekinian Dengan Teknologi Digital [21-25]
[11] FJ Perwitosari (2023) Penerapan Data Mining Untuk Penilaian Kinerja Di PT Riksa Djaya Menggunakan Metode Naïve Bayes Classification. Vol 5 No 1 Sains dan Teknologi
[12] Zulherry, A., Riadi, I., & Umar, R. (2026). Anomaly Detection in Cloud Device-Based Information Technology Infrastructure Using Isolation Forest Algorithm. Journal Of Informatics And Telecommunication Engineering 9 (2)
[13] Sari, I.P., & Zulherry, A. (2025). Development of A Smart Monitoring System for IoT–Based Tide Observation. Al'adzkiya International of Computer Science and Information Technology (AIoCSIT) Journal, 6 (2), 18-23
[14] Zulherry, A., Gunawan, M., & Sari, I.P. (2025). Development of an Android-Based Smart Health Monitoring Device for Heartbeat Detection. Al'adzkiya International of Computer Science and Information Technology (AIoCSIT) Journal, 6 (2), 43-47
[15] Sari, I.P., Zulherry, A., Basri, M., & Hayani W. (2025). Pembelajaran Pemrograman berbasis Machine Learning sebagai Upaya Peningkatan Computational Thinking. Jurnal Penelitian, Pendidikan dan Pengajaran: JPPP 6 (3), 245-250
[16] Bisono, A. T., & Zulherry, A. (2025). Analisis sentimen game Genshin Impact untuk mengetahui reaksi dan harapan pemain menggunakan metode Naïve Bayes. sudo Jurnal Teknik Informatika, 4(2), 183-193.
[17] J Jefri, Z Fatah (2025) Klasifikasi Data Mining Untuk Memprediksi Kelulusan Mahasiswa Menggunaka Metode Naïve Bayes. Vol 2 No 1
[18] H Susan (2022) Penerapan Model Klasifikasi Metode Naïve Bayes Penggunaan Akses Internet. Vol 4 No 2
[19] Ichsan, A., Zulherry, A., Lubis, T.A., & Shahnaz, B.A.Z. (2025). Utilization of Mobile Applications to Speed Up The Search for Android-Based Index Places. IJATCoS: Indonesian Journal of Applied Technology, Computer and Science 2 (1)
[20] Sari, I.P., Batubara, I.H., & Al-Khowarizmi, A. (2021). Sensitivity Of Obtaining Errors In The Combination Of Fuzzy And Neural Networks For Conducting Student Assessment On E-Learning. International Journal of Economic, Technology and Social Sciences (Injects) 2 (1), 331-338
[21] Amada, E.P., & Zulherry, A. (2025). Klasterisasi Minat Dan Bakat Siswa Menggunakan Metode X-Means Berbasis Web: Studi Kasus SMA Negeri 1 Hamparan Perak. sudo Jurnal Teknik Informatika 4 (4), 276-283.
[22] Zulherry, A., Ramadhani, F., & Satria, A. (2024). Klasifikasi Data Tracer Study Dengan Pemanfaatan Data Mining Menggunakan Algoritma Support Vector Machine dan Neural Network. Portal Riset dan Inovasi Sistem Perangkat Lunak 2 (1), 45-54
[23] Zulherry, A. (2023). Decision making for network security with simple additive weighting method. Journal of Intelligent Decision Support System (IDSS), 6(3), 155-159.
[24] Zulherry, A., Gunawan, T. S., & Wanayumini, W. (2021). Analisis Hasil Pendukung Keputusan Mendapatkan Rumah Dinas Perusahaan Menggunakan Metode Analytical Hierarchy Process (AHP) dan Technique for Order Preference by Similarity to Ideal Solution (TOPSIS). Jurnal Media Informatika Budidarma, 5(2), 695-704.
[25] Sari, I.P., Al-Khowarizmi, A., & Batubara, I.H. (2021). Cluster Analysis Using K-Means Algorithm and Fuzzy C-Means Clustering For Grouping Students' Abilities In Online Learning Process. Journal of Computer Science, Information Technology and Telecommunication Engineering 2 (1), 139-144
[26] Apdilah, D., & Sari, I.P. (2021). Optimization Of The Fuzzy C-Means Cluster Center For Credit Data Grouping Using Genetic Algorithms. Al'adzkiya International of Computer Science and Information Technology (AIoCSIT) Journal 2 (2), 156-163
[27] DYH Tanjung (2022) Penerapan Algoritma Naïve Bayes Untuk Klasifikasi Data Pengisian ATM. Vol 7 No 1 Universitas Potensi Utama.
[28] SA Amono (2023) Evaluasi Model Decision Tree Pada Keputusan Kelayakan Kredit. Vol 2 No 2
[29] M Clementine (2022) Prediksi Nasabah Bank Menggunakan Klasifikasi ID3. Vol 17 No 1
[30] Sari, I.P., Hariani, P.P., Al-Khowarizmi, A., Ramadhani, F., Sulaiman, O.K., Satria, A, & Manurung, A.A. (2024). CLUSTERING HIV/AIDS DISEASE USING K-MEANS CLUSTERING ALGORITHM. Proceeding International Seminar on Islamic Studies 5 (1), 1668-1676
[31] Basri, M., & Zulherry, A. (2025). Analysis of the Impact of Gambling and Online Loans in the Perspective of Informatics, Islam, and Kemuhammadiyahan. Ar-Rasyid: Jurnal Pendidikan Agama Islam, 5(1), 65-73.
[32] Asadel, A., & Zulherry, A. (2025). Detecting Zero-Width Characters Obfuscated in Phishing URLs using the XGBOOST Algorithm. Hanif Journal of Information Systems 3 (1), 43-53
[33] Zulherry, A., Sari, I.P., & Basri, M. (2025). Perancangan Aplikasi Monitoring Kehadiran Pegawai Menggunakan RFID. sudo Jurnal Teknik Informatika 4 (4), 378-384
[34] Sari, I.P., Ramadhani, F., Satria, A., & Sulaiman, O.K. Leukocoria Identification: A 5-Fold Cross Validation CNN and Adaboost Hybrid Approach. 2023 6th International Seminar on Research of Information Technology and Intelligent Systems (ISRITI), 486-491
[35] Manurung, A.A., Nasution, M.D., & Sari, I.P. (2023). Implementation of Fuzzy K-Nearest Neighbor Method in Dengue Disease Classification. 2023 11th International Conference on Cyber and IT Service Management (CITSM), 1-4
[36] A Syakur, RP Putra (2024) Analisasi Metode Naïve Bayes Classifier Untuk Prediksi Persetujuan Kredit Vol 13 No 1
[37] N Suwimayanti, R Hadi (2024) Implementasi Metode Normalisasi dan Seleksi Fitur Dalam Optimasi Algoritma KNN Untuk Klasifikasi Data Bank. Vol 12 No 2
[38] RO Merdiyanti, K Kusrini (2023) Analisis Sentimen Pengguna Aplikasi Bank Syariah Indonesia Dengan Menggunakan Algoritma Support Vector Machine (SVM). Vol 4 No 1
[39] Sari, I.P., Ramadhani, F., Satria, A., & Apdilah, D. (2023). Implementasi Pengolahan Citra Digital dalam Pengenalan Wajah menggunakan Algoritma PCA dan Viola Jones. Hello World Jurnal Ilmu Komputer 2 (3), 146-157
[40] Sari, I.P., Al-Khowarizmi, A, Sulaiman, O.K., & Apdilah, D. (2023). Implementation of Data Classification Using K-Means Algorithm in Clustering Stunting Cases. Journal of Computer Science, Information Technology and Telecommunication Engineering 4 (2), 402-412
[41] Sulaiman, O.K & Batubara, I.H. (2021). Implementation Data Mining For Level Analysis Traffic Violation By Algorithm Association Rule. Al'adzkiya International of Computer Science and Information Technology (AIoCSIT) Journal 2 (2), 128-135
[42] IM Panggabean (2023) Analisis Prediksi Kelayakan Nasabah Kredit Menggunakan Algoritma Rndom Forest Menggunakan PEGA dan WEKA. Vol 5 No 2
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Surya Lesmana, Firahmi Rizky
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish in Tsabit Journal of Computer Science agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Attribution-ShareAlike 4.0 International (CC BY-SA 4.0) License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
CC BY-SA: This license allows reusers to distribute, remix, adapt, and build upon the material in any medium or format, so long as attribution is given to the creator. The license allows for commercial use. If you remix, adapt, or build upon the material, you must license the modified material under identical terms.
