Modem : Jurnal Informatika dan Sains Teknologi.
Journal Title : Modem : Jurnal Informatika dan Sains Teknologi Initials : Modem Frequency : January, April, July and October Print ISSN : 3046-7217 Online ISSN : 3046-7209 Editor in Chief : Rusmin Saragih, M.Kom DOI: 10.62951 Publisher : Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia Modem : Jurnal Informatika dan Sains Teknologi dengan E-ISSN : 3046-7209, P-ISSN : 3046-7217 diterbitkan oleh Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia dan Jurnal ini terbit 1 tahun 4 kali (Januari, April, Juli dan Oktober). Modem : Jurnal Informatika dan Sains Teknologi memuat hasil-hasil penelitian di bidang Ilmu Informatika dan Teknologi. Modem : Jurnal Informatika dan Sains Teknologi berkomitmen untuk menerbitkan artikel berbahasa Indonesia yang berkualitas dan dapat menjadi referensi utama bagi para peneliti di bidang Ilmu Informatika dan Teknologi. Indexed by : Journal Sponsors and Partners :
Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia
Pengembangan Sistem Monitoring Kemajuan Belajar Siswa SMP Negeri 2 Loura Menggunakan Metode Waterfall
This study aims to develop a student learning progress monitoring system designed to assist teachers and parents in tracking students’ academic performance at SMP Negeri 2 Loura. The main issue identified in the school is that academic information is still distributed using manual procedures, which results in delays and limited transparency regarding students’ learning progress. To address this problem, the system was developed using the Model View Controller (MVC) architecture and the Waterfall approach to system development, which consists of several sequential phases such as analyzing requirements, designing the system, implementing the solution, conducting tests, and performing ongoing maintenance. The findings of this research show that the system that has been created is capable of presenting academic information in a complete and structured manner, including assignment scores, daily tests, and semester examinations. The system provides faster and easier access for teachers to input grades and for parents to monitor their children’s academic development in real time. Functional testing shows that all features operate correctly according to user needs, with no errors found during system operation.
Copyright (c) 2025 Modem : Jurnal Informatika dan Sains Teknologi. https://creativecommons.org/licenses/by-sa/4.0
Analisis Keamanan Jaringan Komputer Menggunakan Metode Penetration Testing
Data security in web services is a critical aspect that must be considered to prevent information leakage and unauthorized access. This study aims to analyze the security level of the Universitas Andalas Repository site, specifically regarding its vulnerability to sniffing attacks due to the use of the unencrypted HTTP protocol. The research employs a penetration testing method with an experimental approach. The testing process is carried out in three main stages: reconnaissance using Nmap to identify the services and protocols in use, sniffing using Wireshark to capture and analyze data packets, and evaluation of results based on modern web security standards to assess the level of risks found. The results of the study indicate that the Universitas Andalas Repository site still uses the HTTP protocol in its communication process, meaning that all data transmitted between the client and server can be read in plaintext. The Nmap scan results confirm that the web service operates on port 80 without SSL/TLS encryption support. Meanwhile, the packet analysis results using Wireshark show that both HTTP requests and responses can be captured and directly observed, including request parameters, cookies, and other potentially sensitive information. These findings suggest that the site has significant vulnerabilities to sniffing attacks and man-in-the-middle attacks, posing a potential risk to user data security.
Sistem Informasi Monitoring Perkembangan Belajar Anak Usia Dini di PAUD Laskar Pelangi Berbasis Web
This study aims to develop a Student Progress Assessment Information System for PAUD Laskar Pelangi as a solution to various problems that arise in the academic data management process, which was previously carried out manually. The management of student grades, student data, class data, and subject data often encountered obstacles such as delays, recording errors, difficulty in searching for data, and inaccuracies in report preparation. To overcome these issues, a web-based information system was developed to manage all data in an integrated and more efficient manner. The system development method used the Website Development Life Cycle approach, and the application was implemented using the PHP programming language. The system is designed to enable the admin to manage student data, class data, subject data, grades, and automatically generate student grade reports. Database implementation was carried out to ensure that data is stored properly and can be accessed easily. Functional testing was conducted to ensure that all features operate according to user needs. The results of the study show that the developed information system is capable of improving administrative efficiency, accelerating the grade processing workflow, minimizing recording errors, and generating student grade reports quickly and accurately. Therefore, this system provides significant benefits for PAUD Laskar Pelangi in improving the effectiveness of academic administrative management and can be further developed according to the school's needs.
Implementasi Augmented Reality dalam Penerapan Metode Virtual Reality Tour 360º Wisata Kampung Weetabar
Despite its cultural potential, Wetabar Village has not been supported by effective digital promotional media. Information access remains limited, and the lack of interactive promotional platforms has contributed to the low interest of tourists. Current promotional efforts rely heavily on conventional methods, resulting in decreased visitor numbers. The implementation of digital technologies such as Augmented Reality (AR) and Web-based 360° Virtual Reality Tours is considered an effective approach to increasing tourist engagement by offering immersive exploration experiences and interactive cultural content. This research aims to design and implement a web-based tourism promotion media that integrates local cultural content with AR and 360° virtual tour technologies. The development process follows the MDLC research method, utilizing the Lumi H5P platform and PHP for system implementation. The resulting system enables users to digitally explore Wetabar Village through panoramic views and interactive multimedia features. The findings show that the developed application runs smoothly on both Android devices and laptops and is capable of providing hotspot access to operate the virtual reality features. This innovation is expected to enhance tourist interest while supporting cultural preservation and promoting digital transformation within the tourism sector of West Sumba.
Penerapan Sistem Informasi E-Catalog Perpustakaan pada SMPK St. Yohanes Wewewa Barat
This research aims to develop an E-Catalog Information System for the Library of SMPK St. Yohanes Wewewa Barat as a digital platform that provides students and teachers with fast, accurate, and efficient access to book collection information. The system is designed to replace the previous manual book search process, which often caused delays and reduced the effectiveness of library services. The development of this system applies The Model-View-Controller (MVC) method structures the system by dividing it into three distinct parts: the model, the view, and the controller, each with its own specific function resulting in a structured architecture that is easier to manage, maintain, and improve. This method was chosen because it supports modular development and provides flexibility for future system enhancements. The results of this study show that the developed e-catalog system functions properly and performs well according to the intended design. All main features, including book searching, book detail display, and book data management, operate optimally without significant issues. Moreover, the system helps improve the efficiency of library services and enhances the user experience in accessing digital book information.
Hubungan Antara Kesadaran Privasi dan Perilaku Aman Mahasiswa di Media Sosial
The development of social media has encouraged students to be more active in interacting, sharing information, and establishing relationships online. However, the high intensity of social media use also increases the risk of personal data leakage. This literature study aims to examine the relationship between privacy awareness and students' safe behavior in social media use. The research was conducted by examining various sources, including scientific journals, articles, research reports, books, and online references relevant to digital security issues. The results of the study show that privacy awareness has a significant role in shaping students' safe behavior. This awareness is reflected through the practice of using strong passwords, the implementation of two-factor authentication, and prudence in sharing personal information in the digital space. Although knowledge about digital threats is quite adequate, students' safe behavior is still influenced by the level of internalization of privacy awareness. Therefore, increasing privacy awareness requires not only information, but also educational strategies that emphasize the formation of consistent digital attitudes and habits. This study makes an important contribution to understanding the relationship between privacy awareness and safe behavior, as well as being the basis for the development of more effective digital literacy programs among students.
Copyright (c) 2026 Modem : Jurnal Informatika dan Sains Teknologi. https://creativecommons.org/licenses/by-sa/4.0
Analisis Pola Asosiasi Kompetensi Teknis pada Lowongan Kerja Artificial Intelligence Menggunakan Algoritma Apriori dan Visualisasi Network Graph
The gap between academic curriculum content and modern industrial needs is often an obstacle for fresh graduates in the Information Technology field, particularly in the rapidly evolving Artificial Intelligence (AI) sector. This study aims to identify the relationship patterns among technical competencies (hard skills) most demanded by the global industry. The method employed is Association Rule Mining with the Apriori algorithm to discover association rules between skills, and Network Graph Analysis to visualize the topological map of these competencies. The research dataset covers 15,000 AI job vacancies from the 2024-2025 period, analyzed in depth using Support, Confidence, and Lift Ratio evaluation parameters to validate the strength of relationships between items. The results show that Python is the central competency with the highest frequency of occurrence. Strong association rules were found indicating that proficiency in TensorFlow has a high probability of requiring Python proficiency. The Network Graph visualization reveals three main competency clusters: Data Engineering Ecosystem, Deep Learning, and Infrastructure. These findings offer a strategic foundation for aligning curricula with the job market. Focusing on strengthening the identified competency clusters is expected to directly enhance the relevance and work readiness of graduates.
Optimasi Steganografi Video Berbasis LSB Multi-Bit dengan Penentuan Posisi dan Jumlah Bit Adaptif Berdasarkan Analisis Kecerahan dan Tekstur Frame
Steganography is a method to hide confidential messages in digital media so that they are not detected by unauthorized parties. Unlike cryptography which protects the content of messages through encryption, steganography hides the message itself. One popular technique is the Least Significant Bit (LSB), which replaces the least important bit on the pixel with a secret message bit. However, conventional LSB methods such as 1-bit or 3-bit have limitations due to the compromise between insertion capacity and visual quality of the media. This study proposes an LSB-based video steganography method with an adaptive multi-bit embedding approach. This technique determines the number and position of bits that are dynamically inserted based on the local brightness and texture levels of each video frame, with Laplacian operators used to analyze both high and low textured areas. The process includes frame and audio extraction, frame-by-frame embedding, inserted video reconstruction, and decoding using video cover references. The evaluation was carried out quantitatively using the Peak Signal-to-Noise Ratio (PSNR) and Structural Similarity Index (SSIM) metrics, as well as qualitatively through visual comparison. The results showed that the adaptive multi-bit method was able to maintain visual quality with a PSNR of 45.23 dB and SSIM of 0.9424, and increased the insertion capacity by up to 2–3 times compared to the 1-bit adaptive method. Thus, this approach effectively balances imperceptibility and insertion capacity on dynamic video steganography systems.
Steganografi Video Adaptif Berbasis Multi-Bit LSB dengan Analisis Kecerahan, Tekstur, dan Gerakan Frame serta Robustness terhadap Kompresi dan Noise
Steganography is a technique for hiding secret data within digital media such as images, audio, and video without causing noticeable visual changes. In video media, this technique offers advantages because each frame can be utilized dynamically, resulting in a larger data embedding capacity. However, conventional methods such as fixed-number Least Significant Bit (LSB) embedding still face limitations in balancing visual quality, embedding capacity, and resistance to compression or noise. To address these challenges, this study proposes an Adaptive Video Steganography Method based on Multi-Bit LSB that employs brightness, texture, and motion analysis for each frame to determine the number of embedding bits adaptively. The system adjusts the embedding capacity according to the local characteristics of the video: areas with high texture or rapid motion are assigned more bits, while static or low-texture areas use fewer bits to preserve visual quality. After the embedding process, the video quality is evaluated using PSNR (Peak Signal-to-Noise Ratio) and SSIM (Structural Similarity Index Measurement) to assess its similarity to the original video. Experimental results show a PSNR value of 45.86 dB and an SSIM value of 0.9441, Thus, the proposed adaptive method proves to be efficient, robust against disturbances, and capable of maintaining data security without compromising visual quality, making it highly suitable for implementation in multimedia-based information security systems.
Optimasi Steganografi Video Berbasis LSB Multi-Faktor dengan Penyesuaian Bit Adaptif Berdasarkan Kecerahan, Tekstur, dan Stabilitas Gerakan Antar-Frame
Video steganography faces fundamental challenges in balancing embedding capacity, imperceptibility, and robustness, where conventional Least Significant Bit (LSB) methods often produce visual artifacts such as flickering. To address this, this research proposes an advanced method named Adaptive Multi-layer LSB, which dynamically adjusts the number of embedded bits in each pixel based on a multi-factor analysis of the video's spatial and temporal characteristics. This adaptation mechanism is evaluated through three primary criteria: brightness level, local texture complexity, and inter-frame motion stability. Quantitative evaluation using Peak Signal-to-Noise Ratio (PSNR), Structural Similarity Index (SSIM), and Frame Difference Stability Index (FDSI) metrics demonstrates that the proposed method achieves high visual quality, with an average PSNR of 42.15 dB and SSIM of 0.985. These results significantly outperform the non-adaptive approach, which only recorded a PSNR of 38.5 dB. More importantly, the FDSI value of this method (1.25) is much lower compared to the non-adaptive approach (3.40), demonstrating its superiority in maintaining temporal stability. Thus, this approach provides a significant contribution to enhancing security and quality in video steganography practices. Abstract: Video steganography faces fundamental challenges in balancing embedding capacity, imperceptibility, and robustness, where conventional Least Significant Bit (LSB) methods often produce visual artifacts such as flickering. To address this, this research proposes an advanced method named Adaptive Multi-layer LSB, which dynamically adjusts the number of embedded bits in each pixel based on a multi-factor analysis of the video's spatial and temporal characteristics. This adaptation mechanism is evaluated through three primary criteria: brightness level, local texture complexity, and inter-frame motion stability. Quantitative evaluation using Peak Signal-to-Noise Ratio (PSNR), Structural Similarity Index (SSIM), and Frame Difference Stability Index (FDSI) metrics demonstrates that the proposed method achieves high visual quality, with an average PSNR of 42.15 dB and SSIM of 0.985. These results significantly outperform the non-adaptive approach, which only recorded a PSNR of 38.5 dB. More importantly, the FDSI value of this method (1.25) is much lower compared to the non-adaptive approach (3.40), demonstrating its superiority in maintaining temporal stability. Thus, this approach provides a significant contribution to enhancing security and quality in video steganography practices.
Steganografi Video Adaptif Multi-Bit dengan Penentuan Posisi, Jumlah Bit, dan Intensitas Embedding Berdasarkan Analisis Kecerahan, Tekstur, dan Gerakan Frame
This research aims to enhance the imperceptibility of secret messages in video steganography to prevent detection by third parties. Unlike cryptography, which focuses on securing the message content, this method seeks to conceal the very existence of the message by maintaining a visual quality nearly identical to the original video. The proposed approach utilizes an adaptive multi-bit scheme based on the Least Significant Bit (LSB) technique, which intelligently analyzes the local characteristics of each frame, including brightness, texture, and motion. This strategy allows for higher data insertion in areas with high visual tolerance while limiting bits in sensitive areas to prevent distortion. Evaluation results using PSNR and SSIM metrics indicate that while increasing message capacity (from 1-bit to 3-bit) reduces the PSNR from 51.80 dB to 39.44 dB, the method remains highly effective in preserving visual integrity. Overall, this technique proves to be more secure and superior to traditional LSB in balancing storage capacity with high-quality video output.
Analisis Risiko Tsunami Berbasis GIS dan Kondisi Eksisting Pantai untuk Mitigasi Bencana di Kota Banda Aceh
Banda Aceh City has high vulnerability to tsunamis due to its coastal location directly facing the sea and being situated in an active tectonic zone. This study evaluates the spatial distribution of tsunami risk and assesses coastal conditions as disaster mitigation efforts using a mixed-method approach that combines quantitative analysis based on Geographic Information Systems (GIS) and qualitative analysis through field surveys and expert assessments. Three beaches were selected as study locations: Ulee Lheue Beach, Syiah Kuala Beach, and Alue Naga Beach, with risk assessment calculated using the formula Risk = (H × V) / C according to the BNPB framework and overlay techniques in GIS to create risk distribution maps. Coastal condition evaluation focused on coastal vegetation and protective coastal structures assessed using an ordinal scale of 1–5. Results show that Ulee Lheue Beach has the highest mitigation capacity with a score of 64.5% (good category), Syiah Kuala Beach reaches 57.5% (fairly good), while Alue Naga Beach has the lowest score of 28.3% (poor). Correlation analysis yielded a coefficient of r = 0.97, indicating a very strong positive relationship between coastal vegetation and protective coastal structures. Therefore, the study recommends strengthening mitigation strategies through improved protective infrastructure and optimization of coastal vegetation functions, particularly in high-risk areas, to reduce tsunami impacts in the future.
Penerapan Bayesian Knowledge Tracing pada Game Ethno Run sebagai Media Pembelajaran Matematika Adaptif untuk Siswa Kelas 3-5 Sekolah Dasar
Mathematics is a core subject that develops critical thinking skills; however, many third to fifth-grade elementary school students face difficulties with conventional teaching methods that tend to be uniform and less adaptive. This study aims to develop and implement a mobile-based educational game, "Ethno Run," which integrates the Bayesian Knowledge Tracing (BKT) algorithm to provide an adaptive learning experience. The method used is Research and Development (R&D) with the Multimedia Development Life Cycle (MDLC) framework. The system uses BKT to track students' mastery in real-time by analyzing their responses to pre-tests and exercises within the game, which then adjusts the difficulty level and focuses the post-test on areas identified as weak, such as arithmetic operations and geometry. The findings show that this adaptive approach significantly improves learning outcomes, with the average score increasing from 44.33 on the pre-test to 85.33 on the post-test among 30 students. This study concludes that the integration of Artificial Intelligence through BKT effectively personalizes learning, enhances student motivation, and provides data-driven insights for teachers regarding students' progress. The implication of this research is that adaptive game-based learning serves as a feasible interactive solution to bridge the gap in conventional basic mathematics education.
Analisis Dampak Judi Online Berbasis Aktivitas Digital terhadap Kesehatan Mental dan Perilaku Sosial Generasi Muda di Indonesia
The rapid development of digital technology has significantly increased public access to online activities, including online gambling, which has emerged as a serious social problem in Indonesia. This study aims to analyze the impact of online gambling on the mental health and social behavior of young people. This research employed a descriptive method with a survey approach. Data were collected through questionnaires distributed to young respondents who had experience or exposure to online gambling activities. The findings indicate that involvement in online gambling has a significant impact on mental health disorders such as stress, anxiety, and depressive symptoms. In addition, online gambling contributes to a decline in social interaction quality, increased family conflict, social withdrawal, and reduced productivity. Behavioral changes such as impulsivity and decreased self-control were also identified among respondents. These results demonstrate that online gambling not only affects individuals psychologically but also disrupts social relationships and family harmony. Therefore, comprehensive preventive efforts are needed through digital literacy enhancement, family involvement, and psychological support services to protect young people from the negative consequences of online gambling.
Sistem Pengambilan Keputusan Bedah Rumah pada Dinas Perumahan Kawasan Pemukiman dan Pertanahan Menggunakan Metode Weight Product (WP)
The house renovation program is one of the government's efforts to improve the quality of housing for low-income people. However, the process of selecting recipients of home surgery assistance is often faced with obstacles in determining the right and fair priorities for recipients. Therefore, this study aims to design and implement a home surgery decision-making system at the Housing, Residential Areas, and Land Office using the Weight Product (WP) method. The WP method was chosen because of its ability to conduct an objective assessment of various relevant criteria, such as the condition of the house, ownership status, level of welfare, and socioeconomic needs of the recipient. This system will give weight to each criterion used to determine the priority of home surgical assistance for residents in need. In its implementation, this system is able to process data from various prospective recipients and produce an automatic and transparent order of priority recipients. The results of the evaluation show that this system can improve efficiency and accuracy in the decision-making process, as well as assist the Housing Office in implementing the house renovation program more on target. With this system, it is hoped that the home renovation program can provide greater benefits to people in need, as well as accelerate the implementation of better housing programs.
Perancangan dan Implementasi Human Resource Information System (HRIS)
The Human Resource Department (HRD) plays a very important role in supporting the growth and sustainability of an organization or company. Employees represent the most valuable asset owned by the company, which means that HRD can be considered the most critical component that must be managed properly. The primary function of HRD encompasses the management of all aspects related to the workforce, including ensuring that every employee fully receives their rights. To enhance work effectiveness and efficiency, HRD requires support in the form of a computer-based technology system. Therefore, it is necessary to develop an application capable of accelerating and simplifying employee data management. This study aims to improve HRD performance through the creation of a Human Resource Information System (HRIS). The application development process adopts the Waterfall method. The final outcome of this research is an application that successfully facilitates the HRD department in carrying out its various tasks more effectively.
Pengembangan Sistem Informasi Pengelolaan Arsip Program Pembangunan Desa Kalembu Kanaika Kecamatan Wewewa Barat
The management of village development program archives plays a vital role in supporting effective, transparent, and accountable village governance. However, in many villages, including Kalembu KanaiKa Village in Wewewa Barat District, archive management is still conducted conventionally without the support of a structured information system. This condition creates several challenges, such as difficulties in accessing data, low administrative efficiency, and weak documentation and accountability of village development activities. Therefore, this study aims to examine the development of an information system for managing village development program archives based on local conditions and needs. The research seeks to identify the actual condition of archive management, analyze constraints faced by village officials, and formulate directions for developing an appropriate archive management information system in Kalembu KanaiKa Village. This study employed a qualitative method with a case study approach. Data were collected through in-depth interviews, observations, and document analysis involving village officials responsible for archive management and development program implementation. The results reveal that archive management has not been optimal due to limited human resources, inadequate facilities, and minimal use of information technology. Despite these limitations, village officials show readiness and willingness to adopt a simple and user-friendly archive management information system tailored to the village’s social and institutional capacity. These findings indicate that the development of archive information systems requires not only technical solutions but also attention to social, institutional, and capacity-building aspects.
Penerapan Aplikasi Penjadwalan Mata Pelajaran di SMPK Flos Carmeli Menggunakan Algoritma MVC
The rapid development of information technology has provided significant opportunities to improve the efficiency of academic administration in schools. One of the common problems faced by educational institutions is the manual process of subject scheduling, which is time-consuming and prone to schedule conflicts among teachers, classes, and learning time. This problem is also experienced by SMPK Flos Carmeli, where the preparation of subject schedules has not yet been supported by an integrated computerized system. This study aims to design and develop a web-based subject scheduling application at SMPK Flos Carmeli using the Model–View–Controller (MVC) architecture. The research method employed is Research and Development (R&D) with the Waterfall software development model, which includes the stages of requirements analysis, system design, and application implementation. Data were collected through interviews, observations, and literature review to obtain system requirements that align with the school’s conditions. The application was developed using native PHP with the implementation of the MVC pattern to produce a structured, maintainable, and flexible system. The results show that the developed application is able to support the subject scheduling process in a faster, more accurate, and well-organized manner. The system provides features for managing teacher data, class data, time slots, schedule arrangement, and schedule printing, thereby minimizing schedule conflicts and improving the efficiency of school administrative work. Therefore, this subject scheduling application is expected to support the digitalization of academic administration and enhance the effectiveness of the teaching and learning process at SMPK Flos Carmeli.
Deteksi Rambu Lalu Lintas Indonesia Menggunakan Transfer Learning
This study aims to develop an Indonesian traffic sign detection system using a transfer learning approach to improve road safety and traffic efficiency. The dataset was obtained from Kaggle and consists of 2,100 images across 21 traffic sign classes. The research stages include data collection, preprocessing to reduce noise and normalize image brightness, object detection using YOLOv5, and classification based on transfer learning with ResNet, VGG-16, and MobileNet architectures. Model performance was evaluated using accuracy, precision, recall, and F1-score metrics. Experimental results indicate that the YOLOv5 model is capable of detecting traffic sign objects; however, the classification performance remains relatively low, with a mean Average Precision (mAP) value of 0.17. These findings suggest that further optimization is required in data preprocessing, dataset quality, and model parameter tuning to achieve better performance. This study demonstrates that transfer learning has significant potential for developing computer vision-based traffic sign detection systems, although further improvements are necessary to ensure robustness under real-world Indonesian traffic conditions.
Sistem Informasi Perpustakaan SMK N 3 Kendal Berbasis QR Code
The SMK N 3 Kendal Library is a vital resource supporting teaching and learning activities at the school. However, the manual process of registering and identifying library members often presents various challenges, such as data entry errors, service delays, and difficulties in membership verification. Based on these challenges, a QR Code-based member and library book registration system was designed and developed to improve the efficiency and accuracy of membership data management. This system was built using the Waterfall system development method, with stages including needs analysis, system design, implementation, testing, and maintenance. QR Code technology serves as a unique identifier for each member, stored in the database and can be scanned using a digital device to expedite the identification process. System testing results indicate that implementing QR Codes in the member registration system can accelerate the library's book borrowing process at the school, including registration, data retrieval, and member verification, by up to 80% compared to manual methods. Therefore, this system can help the library improve service effectiveness, minimize data input errors, and support more modern and integrated library administration.
Analisis dan Evaluasi Kredit Macet Anggota Koperasi pada Koperasi Simpan Pinjam Cu Mera Ndi Ate
Savings and Loan Cooperatives (KSP) play a vital role in expanding community access to capital, especially within the informal sector. Nevertheless, non-performing loans remain a persistent challenge that can threaten liquidity and long-term institutional sustainability. KSP CU Mera Ndi Ate faces similar issues, which are assumed to stem not only from administrative weaknesses but also from members’ perceptions and behavioral factors. This research aims to examine the potential causes of non-performing loans through text-based sentiment analysis using an unsupervised learning approach. A quantitative method with a data mining framework was applied. Data were gathered through interviews, observations, documentation, and 200 customer opinion texts processed using the Orange Data Mining application. The analytical stages included preprocessing, corpus development, feature extraction, sentiment clustering, and visualization. Because the dataset lacked predefined labels, unsupervised learning was used to identify naturally emerging sentiment patterns. Findings reveal a predominance of critical sentiments related to credit assessment procedures and service quality. The highest sentiment score (75) concerned insufficient creditworthiness evaluation, followed by concerns about service efficiency (66.6667). These insights suggest that improving assessment accuracy and service quality may help reduce non-performing loans.