Penerapan Metode Moora dalam Penyeleksian Kelayakan Nasabah Penerima Pembiayaan

Penilaian kelayakan penerima pembiayaan merupakan aspek krusial manajemen risiko pembiayaan lembaga keuangan. Penyeleksian calon penerima pembiayaan memerlukan pendekatan sistematis dengan mempertimbangkan berbagai kriteria secara komprehensif. Penelitian ini mengaplikasikan metode Multi Objective-Optimization by Ratio Analysis (MOORA) dalam proses evaluasi calon penerima pembiayaan. MOORA merupakan metode pengambilan keputusan multi-kriteria yang mampu mengoptimalkan berbagai kriteria secara simultan dengan menggunakan rasio. Sejumlah kriteria penilaian kelayakan penerima pembiayaan diidentifikasi berdasarkan kajian literatur dan masukan dari praktisi perbankan. Kriteria tersebut mencakup aspek finansial, seperti pendapatan, aset, dan rasio hutang, serta aspek non-finansial, seperti riwayat pembiayaan, jaminan, dan faktor risiko lainnya. Hasil penelitian menunjukkan bahwa metode MOORA dapat memberikan peringkat calon penerima pembiayaan secara efektif dengan mempertimbangkan berbagai kriteria secara simultan. Metode ini juga memungkinkan dilakukannya analisis sensitivitas untuk mengevaluasi pengaruh bobot kriteria terhadap peringkat akhir. Penelitian ini berkontribusi dalam memberikan pendekatan alternatif penilaian kelayakan penerima pembiayaan yang sistematis dan terukur.   Kata kunci: BMT, Analisis Pembiayaan, MOORA   Abstract. Assessing the suitability of financing recipients is a crucial aspect of financial institution risk management. Selecting potential funding recipients requires a systematic approach that considers various criteria comprehensively. This research applies the Multi Objective-Optimization by Ratio Analysis (MOORA) method in evaluating potential financing recipients. MOORA is a multi-criteria decision-making method that optimizes various criteria simultaneously using ratios. Several criteria for assessing the eligibility of financing recipients were identified based on literature reviews and input from banking practitioners. These criteria include financial aspects, such as income, assets and debt ratios, and non-financial aspects, such as financing history, collateral and other risk factors. The research results show that the MOORA method can effectively rank potential financing recipients by simultaneously considering various criteria. This method also allows sensitivity analysis to be carried out to reveal the influence of criteria weights on the final ranking. This research provides an alternative approach to assessing the feasibility of financing recipients systematically and measurably.   Keywords: BMT, Financing analysis, MOORA