Creditworthiness system using analytical hierarchy process method

−The role of savings and loans cooperatives is very important, so it is not surprising that cooperatives are always found where, especially in urban areas, even in remote areas, we can find cooperatives. Savings and loan cooperatives obtain capital from principal deposits and mandatory deposits of cooperative members. This makes owners sometimes cut off credit without paying attention to aspects of credit risk that should be consistently applied. The importance of quality of service to cooperatives greatly affects the progress of cooperative members, one of which is the speed and accuracy in making decisions to provide credit for Members or prospective borrowers. AHP is appropriate for use in decision making that involves comparing decision elements that are difficult to assess quantitatively. This is based on the assumption that the natural reaction of the human being when facing complex decision-making is to group the elements of the decision according to its characteristics in general. Based on the results of interviews with cooperatives, there are 5 criteria needed in determining the feasibility of providing credit, namely Character, Capacity, Capital, Condition of economy, and Collateral. The calculation results use AHP for each creditor, namely A2 creditors with a final value of 0.22785, A5 creditors with a final value of 0.21926, A3 creditors with a final value of 0.20459, A1 creditors with an end value of 0.1772, A4 creditors with an end value of 0.17111