Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah Cooperatives
For the purpose of giving credit, financial institutions conduct analysis. The credit limit must be changed based on the customer’s capacity to pay. A crucial task that must be completed is determining the limit by looking at a lot of factors, particularly the financial one, which includes cooperati...
| Main Authors: | , , , , , |
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| Format: | Article |
| Language: | English |
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EDP Sciences
2023-01-01
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| Series: | E3S Web of Conferences |
| Online Access: | https://www.e3s-conferences.org/articles/e3sconf/pdf/2023/91/e3sconf_icas2023_03016.pdf |
| _version_ | 1797345388755156992 |
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| author | Fatma Ginoga Lesia Khairi Inayah Syahwani Asty Tanjung Dahri Jayeng Ramadhanti Resti Siregar Dona Rosyanti Novi |
| author_facet | Fatma Ginoga Lesia Khairi Inayah Syahwani Asty Tanjung Dahri Jayeng Ramadhanti Resti Siregar Dona Rosyanti Novi |
| author_sort | Fatma Ginoga Lesia |
| collection | DOAJ |
| description | For the purpose of giving credit, financial institutions conduct analysis. The credit limit must be changed based on the customer’s capacity to pay. A crucial task that must be completed is determining the limit by looking at a lot of factors, particularly the financial one, which includes cooperatives that provide microloans. One of them, Koperasi Simpan Pinjam dan Pembiayaan Syariah Kebajikan Ikamatabagsel Sejahtera (KSPPS KIS), does not strictly rely the determination of the credit limit on analysis, which causes credit issues to continue to arise. The percentage of cooperative consumers with the biggest current credit status has a minimum limit of IDR 2,200,000, with a duration of less than 50 weeks, according to the findings of an analysis utilizing the CART method and data from 173 customers of the KIS Cooperative. This section serves as a gauge for the credit limit’s size at the time of analysis. This demonstrates that a time of less than 50 weeks will result in a lower level of non-current credit status than a period of more than 50 weeks and other variables such as the ratio of expenses, the value of costs, and income. Future studies should be able to include more variables that cooperatives can evaluate when deciding credit limits. |
| first_indexed | 2024-03-08T11:16:57Z |
| format | Article |
| id | doaj.art-f267882f66034d3f98b073a12fb1405e |
| institution | Directory Open Access Journal |
| issn | 2267-1242 |
| language | English |
| last_indexed | 2024-03-08T11:16:57Z |
| publishDate | 2023-01-01 |
| publisher | EDP Sciences |
| record_format | Article |
| series | E3S Web of Conferences |
| spelling | doaj.art-f267882f66034d3f98b073a12fb1405e2024-01-26T10:32:47ZengEDP SciencesE3S Web of Conferences2267-12422023-01-014540301610.1051/e3sconf/202345403016e3sconf_icas2023_03016Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah CooperativesFatma Ginoga Lesia0Khairi Inayah Syahwani Asty1Tanjung Dahri2Jayeng Ramadhanti Resti3Siregar Dona4Rosyanti Novi5Accounting Study Program, College of Vocational Studies IPB UniversityAccounting Study Program, College of Vocational Studies IPB UniversityManagement of Agribusiness Study Program, College of Vocational Studies IPB UniversityAccounting Study Program, College of Vocational Studies IPB UniversityDepartment of Business, The State University of New York, Suny OneontaAccounting Study Program, College of Vocational Studies IPB UniversityFor the purpose of giving credit, financial institutions conduct analysis. The credit limit must be changed based on the customer’s capacity to pay. A crucial task that must be completed is determining the limit by looking at a lot of factors, particularly the financial one, which includes cooperatives that provide microloans. One of them, Koperasi Simpan Pinjam dan Pembiayaan Syariah Kebajikan Ikamatabagsel Sejahtera (KSPPS KIS), does not strictly rely the determination of the credit limit on analysis, which causes credit issues to continue to arise. The percentage of cooperative consumers with the biggest current credit status has a minimum limit of IDR 2,200,000, with a duration of less than 50 weeks, according to the findings of an analysis utilizing the CART method and data from 173 customers of the KIS Cooperative. This section serves as a gauge for the credit limit’s size at the time of analysis. This demonstrates that a time of less than 50 weeks will result in a lower level of non-current credit status than a period of more than 50 weeks and other variables such as the ratio of expenses, the value of costs, and income. Future studies should be able to include more variables that cooperatives can evaluate when deciding credit limits.https://www.e3s-conferences.org/articles/e3sconf/pdf/2023/91/e3sconf_icas2023_03016.pdf |
| spellingShingle | Fatma Ginoga Lesia Khairi Inayah Syahwani Asty Tanjung Dahri Jayeng Ramadhanti Resti Siregar Dona Rosyanti Novi Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah Cooperatives E3S Web of Conferences |
| title | Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah Cooperatives |
| title_full | Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah Cooperatives |
| title_fullStr | Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah Cooperatives |
| title_full_unstemmed | Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah Cooperatives |
| title_short | Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah Cooperatives |
| title_sort | application of the cart method to determine the amount of credit limit in kis syariah cooperatives |
| url | https://www.e3s-conferences.org/articles/e3sconf/pdf/2023/91/e3sconf_icas2023_03016.pdf |
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