Analysis of the Use of Particle Swarm Optimization on Naïve Bayes for Classification of Credit Bank Applications

The selection of prospective customers who apply for credit in the banking world is a very important thing to be considered by the marketing department in order to avoid non-performing loans. The website www.kaggle.com currently provides South German Credit data in the form of supervised learning data. The use of data mining techniques makes it possible to find hidden patterns contained in large data sets, one of which is using classification modeling. This study aims to compare the classification of South German Credit data using the Naïve Bayes algorithm and compare the classification of South German Credit data using the Naïve Bayes algorithm with particle swarm optimization (PSO). The test was carried out using a confusion matrix to determine the accuracy, precision and recall values of the research model. Based on the test, it is known that PSO is able to increase the accuracy and recall of Nave Bayes, but PSO has not been able to increase the precision value of Nave Bayes. The test results show that PSO optimization gives Naïve Bayes an increase in the value of accuracy by 0.46%, and gives Naïve Bayes an increase in recall value by 3.02%.