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AN IT2FS MODEL FOR SHARIA CREDIT SCORING: ANALYSIS

& DESIGN

Tanggal Publikasi: 24 Jan 2023

Abstrak

Credit scoring system is a classic problem which is still interesting to study. There are many studieson

credit scoring. But, most of them only discuss feasibility analysis. In fact, credit scoring system should

accommodate all processes from feasibility analysis until the end of contract. This study is aimed to

analyze and design scoring of default status and fines computation processes in Islamic bank. BPMN

2.0 was used to model their processes. Beside that,this study proposed new mechanisms and algorithms

using Interval Type-2 Fuzzy Sets for maintaining Sharia rules and fairness guarantee. The results

showed that the new methods offer more fair and comply to sharia than existing methods

Keyword

information system, credit scoring, bank sharia, economy