Design and Development of Automated Scoring System Based on Finite State Automata-Based Automated Scoring System for Loan Application Validation in BAZNAS Microfinance Village Application
Perancangan Sistem Penilaian Otomatis Berbasis Finite State Automata untuk Validasi Permohonan Pinjaman pada Aplikasi Desa Berdikari BAZNAS
Abstract
BAZNAS Microfinance Desa (BMD) plays an important role in the economic empowerment of the community through the provision of microfinance services for Micro, Small and Medium Enterprises (MSMEs) in the village environment. With a commitment to support the development of MSMEs, BMD faces significant challenges in the validation process of loan applications, which is often done manually. This manual process has the potential to cause recording errors, delays in decision making, and loss of important documents. This research aims to design and implement a Finite State Automata (FSA)-based automated scoring system that will assist village microfinance facilitators in assessing MSME loan application data. This FSA-based system will verify and validate the data inputted by prospective borrowers, ensuring that the information submitted is in accordance with the predetermined requirements. The application of FSA is expected to improve the structure and accuracy of the scoring process, provide real-time feedback to the lender, and speed up the evaluation process. This research design describes the application of FSA logic to perform automated scoring of survey data. With this system, it is expected to increase time efficiency, reduce the risk of data loss, and minimize errors in the MSME loan validation process at BMD. The implementation of this system is also expected to strengthen the decision-making of facilitators and support the economic empowerment of village communities more effectively. In line with BMD's mission, this system has the potential to contribute to improving the welfare and economic independence of the people in the village.
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