Deep Learning Model Implementation Using Convolutional Neural Network Algorithm for Default P2P Lending Prediction

Tiara Lailatul Nikmah, Jumanto Jumanto, Budi Prasetiyo, Nina Fitriani, Much Aziz Muslim


Peer-to-peer (P2P) lending is one of the innovations in the field of fintech that offers microloan services through online channels without intermediaries. P2P  lending facilitates the lending and borrowing process between borrowers and lenders, but on the other hand, there is a threat that can harm lenders, namely default.  Defaults on  P2P  lending platforms result in significant losses for lenders and pose a threat to the overall efficiency of the peer-to-peer lending system. So it is essential to have an understanding of such risk management methods. However, designing feature extractors with very complicated information about borrowers and loan products takes a lot of work. In this study, we present a deep convolutional neural network (CNN) architecture for predicting default in P2P lending, with the goal of extracting features automatically and improving performance. CNN is a deep learning technique for classifying complex information that automatically extracts discriminative features from input data using convolutional operations. The dataset used is the Lending Club dataset from P2P lending platforms in America containing 9,578 data. The results of the model performance evaluation got an accuracy of 85.43%. This study shows reasonably decent results in predicting p2p lending based on CNN. This research is expected to contribute to the development of new methods of deep learning that are more complex and effective in predicting risks on P2P lending platforms.


P2P Lending; CNN; Deep Learning; Default Risk; Prediction

Full Text:




  • There are currently no refbacks.

Copyright (c) 2023 Tiara Lailatul Nikmah, Jumanto Jumanto, Budi Prasetiyo, Nina Fitriani, Much Aziz Muslim

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

About the JournalJournal PoliciesAuthor Information

Jurnal Ilmiah Teknik Elektro Komputer dan Informatika
ISSN 2338-3070 (print) | 2338-3062 (online)
Organized by Electrical Engineering Department - Universitas Ahmad Dahlan
Published by Universitas Ahmad Dahlan
Email 1:
Email 2:
Office Address: Kantor Program Studi Teknik Elektro, Lantai 6 Sayap Barat, Kampus 4 UAD, Jl. Ringroad Selatan, Tamanan, Kec. Banguntapan, Bantul, Daerah Istimewa Yogyakarta 55191, Indonesia