IMPLEMENTATION OF GAUSSIAN NAÏVE BAYES ALGORITHM FOR CLASSIFICATION OF BUMDESMA FINANCIAL HEALTH LEVELS
Keywords:
BUMDesma, Data Mining, Gaussian Naïve Bayes, Financial Health, ClassificationAbstract
Joint Village Owned Enterprise (BUMDesma) is a business entity established by two or more villages to strengthen local economic cooperation. In Batu Bara Regency, BUMDesma Cipta Karya Srikandi in Talawi District and Datuk Tanah Datar District has shown significant development with assets reaching Rp3.6 billion and more than 143 active member groups. However, BUMDesma's financial management still faces obstacles such as unsystematic recording and non-objective evaluation of financial reports. This research aims to implement the Gaussian Naïve Bayes algorithm to classify the financial health level of BUMDesma based on financial ratios from SPP loan development reports during the 2022-2024 period. This algorithm was chosen due to its ability to handle numerical data and produce efficient classification models. The research results show that from 60 sample data, 50 data were obtained in the healthy class with a prior probability of 83.33%, mean value (% return) of 94.72, and standard deviation of 2.87, while 10 data in the unhealthy class had a prior probability of 16.67%, mean value (% return) of 85, and standard deviation of 3.46. These classification results can serve as a reference for BUMDesma managers in decision-making related to fund management.
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