A fuzzy Mamdani approach on community business loan feasibility assessment

A problem challenged in loaning is determining the credit earned amount because requested does not match by a bank loan criteria/terms and conditions. This study aims to analyze the creditworthiness of the "Kredit Usaha Rakyat (KUR) or people's business credit (PBC)" as assessed by Bank Rakyat Indonesia (BRI) by using a Mamdani fuzzy approach. Based on the experiment, 50 borrowers were analyzed based on bank's criteria with 60 "IF-THEN" rules. The Max function has been used to evaluate the rules result. The study has shown that there has been a difference by the Bank's assessment with acceptance of 78% and rejection of 22%. The error value of all calculations is averaged then compared with the smallest error value that has been determined is 5%, so that there are 21 borrowers who are eligible for loans. Subsequently, the proposed work was submitted to the Banks as material for analysis and evaluation of each borrower.