Analisis Kredit Pembayaran Biaya Kuliah Dengan Pendekatan Pembelajaran Mesin

Salah satu tantangan dalam institusi keuangan adalah manajemen risiko kredit. Hal ini juga terjadi pada institusi pendidikan swasta dimana pengelolaan keuangan dilakukan secara mandiri serta sumber dana mayoritas berasal dari mahasiswa. Setiap institusi harus menjamin kesehatan finansial melalui monitoring cashflow. Adanya penundaan atau kredit pembayaran biaya kuliah mahasiswa akan mempengaruhi cashflow institusi. Oleh karena itu dibutuhkan analisis kredit sebagai tindakan preventif guna mencegah terjadinya kredit yang bermasalah dan meminimalkan risiko kredit lainnya yang timbul di kemudian hari. Pada penelitian ini, algoritma machine learning digunakan untuk analisis kredit pembayaran biaya kuliah pada perguruan tinggi. Dataset yang digunakan adalah data riwayat tagihan, transaksi pembayaran, dan data pengajuan kredit/ angsuran. Tahap perancangan sistem terdiri dari preprocessing, pemilihan fitur, pemodelan, pengujian dan evaluasi hasil. Berdasarkan hasil pengujian algoritma dengan kinerja terbaik adalah KNN dengan recall untuk prediksi “gagal bayar” sebesar 0,8 dan prediksi “berhasil” sebesar 0,76.  Model machine learning ini kemudian ditanamkan dalam sebuah sistem informasi analisis kredit biaya kuliah. Selain itu juga sistem akan memberikan skor setiap pengajuan berdasarkan metode scorecard. Semakin tinggi skor kredit semakin kecil risiko gagal bayarnya. Skor kredit ini berkisar antara 250 – 600. Jika kredit yang diajukan diprediksi “gagal bayar” dengan skor kredit rendah atau berpotensi menjadi piutang macet, sistem akan merekomendasikan untuk menilik ulang skema pengajuan kredit dari mahasiswa tersebut agar mahasiswa tetap dapat melanjutkan pendidikan dan cash collection ratio tetap baik. AbstractOne of the challenges in financial institutions is credit risk management. This also occurs in private educational institutions where financial management is carried out independently and most of funding sources come from students. Each institution must ensure financial health through cashflow monitoring. Any delay or credit in paying student tuition fees will affect the institution's cashflow. Therefore, credit analysis is needed as a preventive measure to prevent non-performing loans and minimize other credit risks that arise in the future. In this study, machine learning algorithms are used for credit analysis for paying tuition fees activity at universities. The datasets used are billing history data, payment transactions, and credit/installment application data. The system design stage consists of preprocessing, feature selection, modeling, uji and evaluation of results. Based on the results of uji the algorithm with the best performance is KNN with a recall for the prediction of "failure to pay" of 0,8 and prediction of "success" of 0,76. This machine learning model is then embedded in a tuition credit analysis information system. In addition, the system will provide a score for each submission based on the scorecard method. The higher the credit score, the lower the risk of default. This credit score ranges from 250 – 600. If the proposed credit is predicted to be "in default" with a low credit score or has the potential to become bad debts, the system will recommend reviewing the student's credit application scheme so that students can continue their education and cash collection ratio remains good

ARPA Whitepaper

We propose a secure computation solution for blockchain networks. The correctness of computation is verifiable even under malicious majority condition using information-theoretic Message Authentication Code (MAC), and the privacy is preserved using Secret-Sharing. With state-of-the-art multiparty computation protocol and a layer2 solution, our privacy-preserving computation guarantees data security on blockchain, cryptographically, while reducing the heavy-lifting computation job to a few nodes. This breakthrough has several implications on the future of decentralized networks. First, secure computation can be used to support Private Smart Contracts, where consensus is reached without exposing the information in the public contract. Second, it enables data to be shared and used in trustless network, without disclosing the raw data during data-at-use, where data ownership and data usage is safely separated. Last but not least, computation and verification processes are separated, which can be perceived as computational sharding, this effectively makes the transaction processing speed linear to the number of participating nodes. Our objective is to deploy our secure computation network as an layer2 solution to any blockchain system. Smart Contracts\cite{smartcontract} will be used as bridge to link the blockchain and computation networks. Additionally, they will be used as verifier to ensure that outsourced computation is completed correctly. In order to achieve this, we first develop a general MPC network with advanced features, such as: 1) Secure Computation, 2) Off-chain Computation, 3) Verifiable Computation, and 4)Support dApps' needs like privacy-preserving data exchange

Towards a Comprehensible and Accurate Credit Management Model: Application of four Computational Intelligence Methodologies

The paper presents methods for classification of applicants into different categories of credit risk using four different computational intelligence techniques. The selected methodologies involved in the rule-based categorization task are (1) feedforward neural networks trained with second order methods (2) inductive machine learning, (3) hierarchical decision trees produced by grammar-guided genetic programming and (4) fuzzy rule based systems produced by grammar-guided genetic programming. The data used are both numerical and linguistic in nature and they represent a real-world problem, that of deciding whether a loan should be granted or not, in respect to financial details of customers applying for that loan, to a specific private EU bank. We examine the proposed classification models with a sample of enterprises that applied for a loan, each of which is described by financial decision variables (ratios), and classified to one of the four predetermined classes. Attention is given to the comprehensibility and the ease of use for the acquired decision models. Results show that the application of the proposed methods can make the classification task easier and - in some cases - may minimize significantly the amount of required credit data. We consider that these methodologies may also give the chance for the extraction of a comprehensible credit management model or even the incorporation of a related decision support system in bankin