PENGEMBANGAN PROTOTIPE MODUL MANAJEMEN RESIKO DELINQUENCY DENGAN MENGGUNAKAN SCORINGWARE

Marpaung, Edwin A P (2002) PENGEMBANGAN PROTOTIPE MODUL MANAJEMEN RESIKO DELINQUENCY DENGAN MENGGUNAKAN SCORINGWARE. Masters thesis, Institut Pertanian Bogor .

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Official URL: http://elibrary.mb.ipb.ac.id

Abstract

The purpose of this thesis was to analyze delinquency risk factors because this risk component contributed the biggest loss portion in the credit card business in Indonesia. Based on the analysis results, the delinquency risk module prototype would be developed as an enhancement of the existing credit card system using Scoring ware method. Data definition in the Scoring ware based on passed facts that create delinquency risks as the benchmark. The target of this enhancement is the customer profile and transaction authorization processing. Scoring ware results used two system concepts in Information System, that which only create supporting data (Decision Support System-DSS) and that which directly made up decision (Expert System-ES). Customer Profile Scoring ware would behave as a DSS while the customer profile score was in the judgment rating range, but it would behave as an ES while the score over the minimum rating or below the declined rating. Suspected Transaction Scoring ware always behave as an ES, because one transaction must be approved or declined in the response time limit based on the Transaction Anomaly Symptoms. Functional independence enhancement, low investments and minimum management changes were the considerations for the implementation of Scoring ware module prototype in order to minimize delinquency risk losses. The succeeds of the implementation processes were defamed by precise benchmark customer profiles and transactions, user requirement satisfied, cut off strategy and synergy of the implementation team.

Item Type: Thesis (Masters)
Uncontrolled Keywords: Delinquency, Issuer, Acquirer, Scoring ware, Score builder, Customer Profile, Existing System. Enhancement. Transaction Anomaly Symptoms, Approve, Decline Decision Support System (DSS), Expert System (ES), Prototype, Tabel Skor, Card Center Bank 'X'.
Subjects: Manajemen Sistem Informasi
Depositing User: Staff-3 Perpustakaan
Date Deposited: 07 Jan 2012 01:15
Last Modified: 07 Jan 2012 01:15
URI: http://repository.sb.ipb.ac.id/id/eprint/921

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