Update app.py

app.py

@@ -1,4 +1,5 @@
 import gradio as gr
+import matplotlib.pyplot as plt
 
 def credit_scoring_model(
     name,
@@ -12,64 +13,81 @@ def credit_scoring_model(
     score = 0
     reasons = []
 
+    # ============================
+    # SCORING DETAIL (for chart)
+    # ============================
+    score_detail = {}
+
     # ----------------------------
     # INCOME (30%)
     # ----------------------------
     if income >= 15000000:
-        score += 30
+        income_score = 30
         reasons.append("Penghasilan sangat baik")
     elif income >= 8000000:
-        score += 25
+        income_score = 25
         reasons.append("Penghasilan baik")
     elif income >= 5000000:
-        score += 20
+        income_score = 20
         reasons.append("Penghasilan cukup")
     else:
-        score += 10
+        income_score = 10
         reasons.append("Penghasilan rendah")
 
+    score += income_score
+    score_detail["Penghasilan"] = income_score
+
     # ----------------------------
     # EMPLOYMENT STATUS (20%)
     # ----------------------------
     if employment_status == "Tetap":
-        score += 20
+        emp_score = 20
         reasons.append("Status pekerjaan tetap")
     elif employment_status == "Kontrak":
-        score += 12
+        emp_score = 12
         reasons.append("Status pekerjaan kontrak")
     else:
-        score += 5
+        emp_score = 5
         reasons.append("Status pekerjaan tidak tetap")
 
+    score += emp_score
+    score_detail["Status Pekerjaan"] = emp_score
+
     # ----------------------------
     # CREDIT HISTORY (30%)
     # ----------------------------
     if credit_history == "Lancar":
-        score += 30
+        credit_score = 30
         reasons.append("Riwayat kredit lancar")
     elif credit_history == "Pernah Tunggakan":
-        score += 15
+        credit_score = 15
         reasons.append("Pernah mengalami tunggakan")
     else:
-        score += 5
+        credit_score = 5
         reasons.append("Riwayat kredit buruk")
 
+    score += credit_score
+    score_detail["Riwayat Kredit"] = credit_score
+
     # ----------------------------
-    # GPA (20%) – OPTIONAL
+    # GPA (20%)
     # ----------------------------
     if gpa >= 3.75:
-        score += 20
+        gpa_score = 20
         reasons.append("IPK sangat baik")
     elif gpa >= 3.25:
-        score += 15
+        gpa_score = 15
         reasons.append("IPK baik")
     elif gpa >= 3.0:
-        score += 10
+        gpa_score = 10
         reasons.append("IPK cukup")
     else:
-        score += 5
+        gpa_score = 5
         reasons.append("IPK rendah / tidak tersedia")
 
+    score += gpa_score
+    score_detail["IPK"] = gpa_score
+
     # ----------------------------
     # FINAL DECISION
     # ----------------------------
@@ -86,7 +104,20 @@ def credit_scoring_model(
         grade = "D"
         decision = "❌ TIDAK LAYAK"
 
-    return f"""
+    # ============================
+    # CREATE BAR CHART
+    # ============================
+    fig, ax = plt.subplots()
+    ax.bar(score_detail.keys(), score_detail.values())
+    ax.set_ylim(0, 30)
+    ax.set_title("Distribusi Skor Credit Scoring")
+    ax.set_ylabel("Skor")
+    ax.set_xlabel("Komponen Penilaian")
+
+    # ============================
+    # TEXT REPORT
+    # ============================
+    report = f"""
 👤 Nama              : {name}
 📞 Nomor             : {number}
 💼 Pekerjaan         : {job}
@@ -102,17 +133,20 @@ Keputusan Kredit     : {decision}
 
 📌 Catatan:
 Model ini bersifat rule-based & explainable,
-sesuai untuk simulasi Bank / Fintech / Audit.
+cocok untuk Bank, Fintech, Audit, dan Governance.
 """
 
+    return report, fig
+
+
 # ============================
-# GRADIO UI (HF READY)
+# GRADIO UI
 # ============================
 with gr.Blocks() as demo:
     gr.Markdown("## 🏦 Credit Scoring Model (CSM)")
     gr.Markdown(
-        "Simulasi penilaian kelayakan kredit berbasis **rule-based & explainable** "
-        "(cocok untuk Bank, Fintech, Audit, dan Governance)."
+        "Simulasi penilaian kelayakan kredit berbasis "
+        "**rule-based & explainable**."
     )
 
     with gr.Row():
@@ -134,11 +168,13 @@ with gr.Blocks() as demo:
 
     gpa = gr.Slider(2.0, 4.0, step=0.01, label="IPK (Opsional)")
 
-    output = gr.Textbox(
+    output_text = gr.Textbox(
         label="Hasil Analisis Credit Scoring",
         lines=18
     )
 
+    output_plot = gr.Plot(label="Visual Distribusi Skor")
+
     submit = gr.Button("🔍 Hitung Skor Kredit")
 
     submit.click(
@@ -152,7 +188,7 @@ with gr.Blocks() as demo:
             credit_history,
             gpa
         ],
-        outputs=output
+        outputs=[output_text, output_plot]
     )
 
 demo.launch()