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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
A PHP Error was encountered
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Line Number: 83
Backtrace:
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
A PHP Error was encountered
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Filename: core/Controller.php
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Backtrace:
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Settings.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/models/News_m.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/models/News_m.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/models/News_m.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
A PHP Error was encountered
Severity: 8192
Message: http_build_query(): Passing null to parameter #2 ($numeric_prefix) of type string is deprecated
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Line Number: 412
Backtrace:
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/models/News_m.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
A PHP Error was encountered
Severity: 8192
Message: http_build_query(): Passing null to parameter #2 ($numeric_prefix) of type string is deprecated
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Line Number: 412
Backtrace:
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/models/News_m.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
A PHP Error was encountered
Severity: 8192
Message: http_build_query(): Passing null to parameter #2 ($numeric_prefix) of type string is deprecated
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Line Number: 412
Backtrace:
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/vendor/guzzlehttp/guzzle/src/Client.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Fungsi.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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Severity: 8192
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Filename: core/Loader.php
Line Number: 932
Backtrace:
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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Severity: 8192
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Filename: core/Loader.php
Line Number: 932
Backtrace:
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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Severity: 8192
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Filename: core/Loader.php
Line Number: 932
Backtrace:
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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Filename: core/Loader.php
Line Number: 932
Backtrace:
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/index.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/libraries/Template.php
File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
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File: /www/wwwroot/daerah3.jatimtimes.my.id/application/controllers/News.php
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Pendidikan Gubes FMIPA UB dan Tim Hadirkan CRICap, Aplikasi Penganalisis Risiko Kredit Sejak Awal
Penulis : Anggara Sudiongko - Editor : Dede Nana
17 - Apr - 2026, 18:58
Prof. Dr. Ir. Solimun, MS, Guru Besar FMIPA UB Bidang Statistika Manajemen (Anggara Sudiongko/JatimTIMES)
JATIMTIMES - Inovasi di bidang manajemen risiko kredit terus berkembang seiring meningkatnya kebutuhan akan sistem keuangan yang lebih presisi dan inklusif. Dari lingkungan akademik, Guru Besar (Gubes) FMIPA (Fakultas Matematika dan Ilmu Pengetahuan Alam) Universitas Brawijaya (UB) bidang Statistika Manajemen, Prof. Dr. Ir. Solimun, MS bersama tim peneliti, mengembangkan aplikasi CRICap (Credit Response Index Capture ) sebagai instrumen untuk mengukur dan memetakan risiko kredit masyarakat sejak tahap paling awal.
CRICap dirancang sebagai bagian dari sistem risk scoring , namun dengan pendekatan yang lebih preventif. Aplikasi ini bekerja pada fase pre-application , yakni sebelum seseorang resmi menjadi nasabah. “Ini terkait dengan manajemen risiko kredit di perbankan, khususnya pada tahap pre-application , yaitu pengukuran dan pemetaan sejak calon nasabah,” ujar Prof Solimun dalam kegiatan Ngopi Sam di FMIPA UB, Jumat (17/4/2026).
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Pengembangan aplikasi ini berangkat dari model Credit Response Index atau IRK, yang dibangun menggunakan metode komponen analisis dalam statistika. Model ini mengolah berbagai indikator menjadi satu indeks kuantitatif yang merepresentasikan respons kredit individu.
“Dari beberapa indikator tentang respons kredit dibuat sebuah persamaan, kemudian dari persamaan itu bisa dihitung indeks per individu,” jelasnya.
Tidak berhenti pada level individu, CRICap juga mampu melakukan pemetaan berbasis wilayah, profesi, hingga sektor ekonomi. Dalam uji coba awal di Kota Batu, ditemukan variasi indeks antar kecamatan maupun jenis pekerjaan.
“Indeks ini bisa dikluster berdasarkan wilayah, bahkan sampai desa, pekerjaan, atau sektor industri,” kata Solimun.
Hasil analisis kemudian divisualisasikan dalam bentuk peta spasial interaktif. Pendekatan ini dinilai mampu memberikan gambaran kuantitatif kondisi literasi keuangan masyarakat secara lebih komprehensif. Dengan integrasi big data dan model statistik, CRICap juga dapat menjadi dasar dalam penyusunan kebijakan berbasis data.
Dari sisi metodologi, tingkat presisi model mencapai 96 persen. Angka ini menunjukkan tingkat keterpercayaan yang tinggi dalam menggambarkan kondisi riil di lapangan. “Keberagaman kumulatif indeks mencapai 96 persen, artinya derajat keterpastian model cukup tinggi,” ungkapnya.
Meski demikian, CRICap saat ini masih berada pada tahap pengembangan. Fokusnya masih pada pengukuran dan pemetaan, belum sepenuhnya pada prediksi risiko kredit. Uji implementasi langsung ke sektor perbankan juga belum dilakukan secara luas.
“Kami masih dalam proses validasi dan pengembangan, belum sampai pada implementasi penuh ke perbankan,” ujarnya.
Pengembangan CRICap sendiri berawal dari hibah penelitian terapan yang kemudian berkembang menjadi inovasi berbasis aplikasi. Secara teknologi, sistem ini dibangun dengan pendekatan modern berbasis multiplatform, memanfaatkan integrasi big data, antarmuka interaktif, serta dukungan cloud computing.
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Dalam praktiknya, aplikasi ini mengumpulkan data melalui kuesioner dan identitas pengguna. Data tersebut kemudian diolah menjadi indeks respons kredit dan literasi keuangan, baik pada level individu maupun kelompok. Hasilnya dapat digunakan oleh pemerintah daerah, koperasi, hingga lembaga keuangan desa.
Dari hasil diskusi dengan berbagai pemangku kepentingan, CRICap dinilai memiliki potensi besar untuk mendukung pengembangan UMKM. “Ini bisa menjadi pendorong UMKM untuk naik kelas. Kalau interaksi keuangannya bagus, akses pembiayaan juga akan lebih mudah,” jelas Solimun.
Bagi pemerintah daerah, CRICap membuka peluang perumusan kebijakan yang lebih tepat sasaran. Pemetaan wilayah dengan tingkat literasi keuangan rendah memungkinkan program edukasi dan stimulus kredit dilakukan secara lebih efektif dan efisien.
Sementara bagi masyarakat, aplikasi ini berkontribusi dalam meningkatkan pemahaman terhadap layanan keuangan. Dampaknya adalah terbentuknya perilaku keuangan yang lebih sehat sekaligus mengurangi kesenjangan akses terhadap layanan perbankan.
Ke depan, pengembangan CRICap juga diarahkan menuju sistem yang lebih adaptif. Integrasi teknologi adaptive machine menjadi salah satu target utama agar sistem mampu memberikan rekomendasi otomatis. “Ke depan kami akan pasang adaptive machine, sehingga bisa langsung memberikan interpretasi dan rekomendasi dari data yang masuk,” kata Solimun.
Perjalanan pengembangan CRICap sendiri telah dimulai sejak 2004 dalam bentuk model riset, sebelum berkembang menjadi aplikasi seperti saat ini. Dengan dukungan kolaborasi dan pendanaan yang memadai, inovasi ini ditargetkan dapat segera diimplementasikan secara lebih luas dalam beberapa tahun ke depan.
Topik
Pendidikan ub malang universitas brawijaya aplikasi cricap risiko kredit
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Anggara Sudiongko
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Gubes FMIPA UB dan Tim Hadirkan CRICap, Aplikasi Penganalisis Risiko Kredit Sejak Awal - Malang Times
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