IMPLEMENTASI METODE ANALITICAL HIERARCY PROSES (AHP) PADA SISTEM PENENTUAN KREDIT LEMBAGA PERKREDITAN DESA (LPD)
Authors: Raharja Made Agung , Wijayakusuma IGN Lanang 
Published: August 2024

ABSTRACTA decision making is one of the problems faced almost every day, even at all times. In this study a Decision Support system will be developed by implementing the Analytic Hierarchy Process (AHP) method on credit analysis in the Village Credit Institution (LPD), which is one of the institutional elements of Pakraman Village that runs the financial function of Pakraman Village. Until now the LPD has the potential and has been proven in advancing the welfare of the village community itself. To foster public trust is not easy, because as it is known, there are many found unhealthy financial institutions. For the sake of smooth credit activities between LPDs as credit providers (creditors) and the community as credit applicants (customers), creditors need to assess and determine prospective customers before accepting or rejecting customers' credit requests. This needs to be done because the risk of non-payment of credit is quite high. So, a customer must meet the criteria that have been determined by the creditor to be able to get credit. The criteria used here are 5C, namely Character, Capacity, Collateral, Capital, and Condition. Based on the results of research that has been carried out, the system built has been able to be used to carry out the process of credit analysis and ranking prospective LPD customers based on the criteria attributes in determining LPD credit. It is seen from the results of testing on the needs of system functionality that has been fulfilled. With the AHP method, a decision support system is formed that can select prospective LPD credit recipients, and determine who is eligible and entitled to receive LPD Credit. The results of testing the system using blackbox testing are able to provide functionality based on system requirements analysis.Keywords : LPD, SPK-LPD , Analytic Hierarchy Process (AHP)ABSTRAKSuatu pengambilan keputusan merupakan salah satu masalah yang dihadapi hampir setiap hari, bahkan setiap saat. Pada penelitian ini akan dikembangankan suatu sistem Pendukung Keputusan dengan mengimplementasikan metode Analytic Hierarchy Process (AHP) pada analisa kredit di Lembaga Perkredian Desa (LPD) yang merupakan salah satu unsur kelembagaan Desa Pakraman yang menjalankan fungsi keuangan Desa Pakraman. Sampai saat ini LPD berpotensi dan telah terbukti dalam memajukan kesejahteraan masyarakat desa itu sendiri. Untuk menumbuhkan kepercayaan masyarakat tidaklah mudah, sebab seperti diketahui banyak sekali dijumpai adanya lembaga-lembaga keuangan yang tidak sehat. Demi kelancaran kegiatan perkreditan antara LPD sebagai lembaga penyedia kredit (kreditur) dengan masyarakat sebagai pemohon kredit (nasabah), kreditur perlu melakukan penilaian dan penentuan calon nasabah sebelum menerima atau menolak permintaan kredit nasabah. Hal ini perlu dilakukan karena resiko tidak terbayarkannya kredit cukup tinggi. Jadi, seorang nasabah harus memenuhi kriteria-kriteria yang telah ditentukan pihak kreditur untuk bisa mendapatkan kredit. Kriteria yang digunakan di sini adalah 5C, yaitu Character, Capacity, Collateral, Capital, dan Condition. Berdasarkan hasil penelitian yang telah dilakukan sistem yang dibangun sudah mampu digunakan untuk melakukan proses analisis kredit dan perangkingan calon nasabah LPD berdasarkan atribut kriteria dalam penentuan kredit LPD. Hal tersebut dilihat dari hasil pengujian terhadap kebutuhan fungsionalitas sistem yang telah terpenuhi. Dengan metode AHP, terbentuk suatu sistem pendukung keputusan yang dapat menyeleksi calon penerima kredit LPD, dan menentukan siapa yang pantas dan berhak untuk menerima Kredit LPD. Hasil pengujian sistem dengan menggunakan blackbox testing mampu memberikan fungsionalitas bedasarkan analisis kebutuhan sistem.Kata kunci : LPD, SPK-LPD , Analytic Hierarchy Process (AHP)