NDLI: Predicting the characteristics of troubled customers in microcredit at Bank Mandiri, Ltd. Jakarta Thamrin Branch

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Predicting the characteristics of troubled customers in microcredit at Bank Mandiri, Ltd. Jakarta Thamrin Branch

Content Provider	Scilit
Author	Sukanto, A. N. R. Ramantoko, G.
Copyright Year	2021
Description	Non-performing loans (NPLs) are one of the indicators of the bank's performance rating in running a credit program to its customers. Hence, this becomes the main focus of every bank to avoid an increase in troubled loans for their customers. However, Bank Mandiri, Ltd. Jakarta Thamrin Branch had experienced increasing NPL up to 18.22% within 3 months. This issue needs to be addressed considering that healthy commercial banks should avoid troubled loans by conducting strong credit control. Assessing credit worthiness can be done using 5C factors, which is one of the efforts to minimize risk of NPL from making wrong credit decisions from the predictor variable leading to bad credit. This study employed Random Forest technique. The prediction obtained by the collateral variable had an MDA level of 99.94, and the income capacity variable was 12.14, which is the main factor in determining customers' characteristics in predicting the condition of the customer's credit status. Book Name: Synergizing Management, Technology and Innovation in Generating Sustainable and Competitive Business Growth
Related Links	https://api.taylorfrancis.com/content/chapters/edit/download?identifierName=doi&identifierValue=10.1201/9781003138914-47&type=chapterpdf
Ending Page	262
Page Count	4
Starting Page	259
DOI	10.1201/9781003138914-47
Language	English
Publisher	Informa UK Limited
Publisher Date	2021-04-08
Access Restriction	Open
Subject Keyword	Book Name: Synergizing Management, Technology and Innovation in Generating Sustainable and Competitive Business Growth Business and Management Credit Jakarta Mandiri Thamrin Branch
Content Type	Text
Resource Type	Chapter

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