Integrasi FUCOM dan CoCoSo untuk Penentuan Prioritas Penerima Pinjaman BUMDes Desa Lowa

Rahul; Yuwanda Purnamasari Pasrun; Rasmiati Rasyid

doi:10.55681/armada.v4i10.4919

Authors

Rahul Universitas Sembilanbelas November Kolaka, Indonesia
Yuwanda Purnamasari Pasrun Universitas Sembilanbelas November Kolaka, Indonesia
Rasmiati Rasyid Universitas Sembilanbelas November Kolaka, Indonesia

DOI:

https://doi.org/10.55681/armada.v4i10.4919

Keywords:

Sistem Pendukung Keputusan, FUCOM, CoCoSo, BUMDes, Prioritas Pinjaman

Abstract

Penentuan prioritas penerima pinjaman merupakan bagian penting dalam pengelolaan pembiayaan Badan Usaha Milik Desa (BUMDes), terutama ketika jumlah pengajuan melebihi dana yang tersedia. Penelitian ini bertujuan mengintegrasikan metode Full Consistency Method (FUCOM) dan Combined Compromise Solution (CoCoSo) untuk menentukan prioritas penerima pinjaman BUMDes Desa Lowa, Kabupaten Kolaka Timur. FUCOM digunakan untuk menghitung bobot kriteria melalui hubungan preferensi yang konsisten, sedangkan CoCoSo digunakan untuk memperoleh nilai preferensi dan peringkat pemohon. Pengujian komputasional melibatkan sepuluh alternatif dan lima kriteria, yaitu kemampuan membayar angsuran, riwayat pembayaran, rasio kewajiban utang, pendapatan bersih, dan lama usaha. Bobot yang diperoleh adalah 0,30; 0,25; 0,20; 0,15; dan 0,10 dengan deviasi konsistensi nol. Alternatif P07 memperoleh nilai tertinggi sebesar 7,498286, diikuti P10 sebesar 7,011510 dan P03 sebesar 6,721681. Analisis sensitivitas menunjukkan prioritas teratas tidak berubah pada seluruh skenario yang diuji. Integrasi FUCOM–CoCoSo memberikan kerangka pengambilan keputusan multikriteria yang terstruktur dan dapat ditelusuri untuk mendukung penyaluran pinjaman BUMDes.

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