Proposal to use the Analytic Hierarchy Process Method Evaluate Bank Credit Submissions

Abstract

Decision making is the process of choosing alternative actions to achieve specific goals or objectives supported by the process of gathering the necessary factors. The banking sector where one of the management functions in the decision-making process in applying for credit. This process must produce fast, accurate, and accurate and accurate information in the process of assessing credit worthiness of potential borrowers. The problem that occurs is that the analysis process is done subjectively, does not use incorrect parameters, overworked credit analysts. This can lead to errors in decision making so that it can endanger the banking sector, if in the future there is a problem of bad credit because it turns out the debtor does not have the ability to pay credit bills from the debtor. This study proposes an analysis using the Analytical Hierarchy Process (AHP) Method with the concept of credit analysis assessment is 5C analysis (Character, Capacity, Capital, Conditions of economy, Collateral). The data used for analysis are primary data, namely questions given through questionnaires given directly to customers so that it is more accurate in providing answers. The results of the decision analysis using the AHP Method are benchmarks in determining the right and accurate decision in declaring a prospective debtor to meet the requirements or not to be given credit. This helps increase satisfaction and provide the best service to consumers, which can then improve company performance by the company.