Ultra-Micro Lending Eligibility Support System With Exponential Comparison Method (MPE)

  • Ninuk Wiliani (1*) Institut Teknologi dan Bisnis Bank Rakyat Indonesia
  • Herry Wahyono (2) Universitas Krisnadwipayana
  • Mulyana Adi Saputra (3) Cyber University

  • (*) Corresponding Author
Keywords: Umi Partners, Credit Eligibility, Exponential Comparison Method


The process of providing credit can now be done easily and closely through the presence of BRILink agents with additional facilities in addition to payment points, namely as partners of ultra-micro loans, which are now popularly called UMi Partners, where BRILink agents can distribute micro loans with a loan range of 1 to 5 million. This is done by management as a financial inclusion program and as a revitalization of work in all operational work units (UKO). This research uses the Exponential Comparison Method (MPE) to determine credit granting decisions to optimize all existing information systems by implementing a system that can be used and run by UMi partners to improve the process of providing creditworthiness to their partners. The system uses the NetBeans IDE with Java programming. The results of the calculations carried out by the system are manual calculations that have been carried out so that the results of this study can be applied properly so as to produce creditworthiness that helps the credit-granting process.



Download data is not yet available.


Auer, R., & Böhme, R. (2021). Central bank digital currency: the quest for minimally invasive technology. In BIS Working Papers.

Chen, X. Y., Pedersen, A., Hellesø, O. G., & Van Rheenen, A. D. (2000). Electrical noise of laser diodes measured over a wide range of bias currents. Microelectronics Reliability, 40(11), 1925–1928. https://doi.org/10.1016/s0026-2714(00)00053-6

Cotet, G. B., Balgiu, B. A., & Negrea, V. C. Z. (2017). Assessment procedure for the soft skills requested by Industry 4.0. MATEC Web of Conferences, 121(2), 1–8. https://doi.org/10.1051/matecconf/201712107005

Frieyadie, F. (2016). Penggunaan Metode Profile Matching Untuk Sistem Penunjang Keputusan Kenaikan Jabatan Pada Instansi Pemerintah. Paradigma - Jurnal Komputer Dan Informatika, 18(2), 75–80. Retrieved from http://ejournal.bsi.ac.id/ejurnal/index.php/paradigma/article/view/1228

Lausch, D., Petter, K., Henke, B., Bakowskie, R., Schweizer, S., & Hagendorf, C. (2011). Classification of recombination active defect structures in multi crystalline silicon solar cells. Energy Procedia, 8, 28–34. https://doi.org/10.1016/j.egypro.2011.06.097

Lowry, P. B., Wells, T. M., Moody, G., Humpherys, S., & Kettles, D. (2006). Online Payment Gateways Used to Facilitate E-Commerce Transactions and Improve Risk Management. Communications of the Association for Information Systems, 17(February). https://doi.org/10.17705/1cais.01706

Sani, A., & Wiliani, N. (2019). Faktor Kesiapan Dan Adopsi Teknologi Informasi Dalam Konteks Teknologi Serta Lingkungan Pada Umkm Di Jakarta. JITK (Jurnal Ilmu Pengetahuan Dan Teknologi Komputer), 5(1), 49–56. https://doi.org/10.33480/jitk.v5i1.616

Sholihah, D. R., Fadlillah, A. M., & Rahmi, M. (2022). Micro, Small, and Medium Enterprises (MSMEs) Rebranding. Jurnal Pemberdayaan Masyarakat Madani (JPMM), 6(1), 14–30. https://doi.org/10.21009/JPMM.006.1.02

Sugawara, E., & Nikaido, H. (2014). Properties of AdeABC and AdeIJK efflux systems of Acinetobacter baumannii compared with those of the AcrAB-TolC system of Escherichia coli. Antimicrobial Agents and Chemotherapy, 58(12), 7250–7257. https://doi.org/10.1128/AAC.03728-14

Sulistyono, M., Hidayat, Y., & Syafari, M. R. (2022). Strategy For Empowerment of Micro, Small and Medium Enterprises (MSMEs) Food Sector by The Office of Cooperatives, Small/Micro Business and Industry of Balangan Regency. 39–48.

Suranti, D. (2018). Application of Exponential Comparison Method and Simple Additive Weighting Method in Assessment of Agricultural Extension Performance. 5(2), 128–137.

Tandika, D., & Sevriana, L. (2017). Adopsi Terhadap Inovasi: Kajian Konseptual Implementasi Program Laku Pandai Pada Layanan BRILink. Jurnal Manajemen Bisnis Performa, 14(1), 53–64. Retrieved from https://ejournal.unisba.ac.id/index.php/performa/article/view/2641

Widodo, P., & Gunawan, D. (n.d.). Efektivitas keamanan informasi dalam menghadapi ancaman social engineering effectiveness of information security threats facing social engineering. In Efektivitas Keamanan Informasi Dalam Menghadapi Ancaman Social Engineering.

Wiliani, N., & Zambi, S. (2017). Rancang Bangun Aplikasi Kasir Tiket Dengan Visual Basic 2010 dan MySql. Jurnal Rekayasa Informasi, 6(2), 77. https://doi.org/10.1017/CBO9781107415324.004

How to Cite
Wiliani, N., Wahyono, H., & Saputra, M. (2023). Ultra-Micro Lending Eligibility Support System With Exponential Comparison Method (MPE). Jurnal Riset Informatika, 5(3), 447-454. https://doi.org/10.34288/jri.v5i3.565
Article Metrics

Abstract viewed = 23 times
PDF downloaded = 7 times