Analisis Nilai Agunan Properti Rumah Kost Pada Jl. Siwalankerto Timur 1/95, Surabaya, Jawa Timur

Cahyani, Reyhita Rifika (2026) Analisis Nilai Agunan Properti Rumah Kost Pada Jl. Siwalankerto Timur 1/95, Surabaya, Jawa Timur. Other thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Penelitian ini bertujuan untuk menentukan nilai properti rumah kos yang berlokasi di Jl. Siwalankerto Timur 1/95, Surabaya. Penilaian ini dilakukan sebagai dasar pertimbangan bagi pemilik dalam menjadikan properti tersebut sebagai agunan untuk memperoleh kredit perbankan. Kredit yang diajukan direncanakan akan digunakan sebagai modal pengembangan bisnis properti sejenis di lokasi lain. Kredit diajukan sebagai strategi manajemen risiko dan optimalisasi struktur pendanaan usaha. Melalui pembiayaan eksternal, pemilik dapat memperluas usaha tanpa melepas aset yang sudah produktif. Metode yang digunakan dalam penelitian ini meliputi pendekatan data pasar, pendekatan pendapatan, serta pendekatan biaya. Hasil penelitian menunjukkan bahwa nilai pasar properti berdasarkan Pendekatan Data Pasar sebesar Rp4.495.200.000, Pendekatan Pendapatan sebesar Rp4.453.002.000, dan Pendekatan Biaya sebesar Rp3.099.165.000. Setelah dilakukan rekonsiliasi, diperoleh nilai pasar akhir sebesar Rp4.199.200.000. Kemudian, ketetapan nilai agunan didapatkan berdasarkan kebijakan umum dari Bank BNI sebesar Rp2.107.700.000, Bank BCA sebesar Rp2.939.440.000, dan Bank Mandiri sebesar Rp1.851.400.000.
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This study aims to determine the value of a boarding house property located at Jl. Siwalankerto Timur 1/95, Surabaya. This valuation is conducted as a basis for the owner to use the property as collateral to obtain bank credit. The proposed credit is intended to serve as capital for developing similar property businesses in other locations. The credit application is part of a risk management strategy and an effort to optimize the business funding structure. Through external financing, the owner can expand the business without selling a productive asset. The methods employed in this study include the market data approach, the income approach, and the cost approach. The results show that the market value of the property based on the Market Data Approach is Rp4.495.200.000, based on the Income Approach is Rp4.453.002.000, and based on the Cost Approach is Rp3.099.165.000. After reconciliation, the final market value is Rp4.199.200.000. Furthermore, the collateral value is determined based on the general policies of each bank, Bank BNI is Rp2.107.700.000, Bank BCA is Rp2.939.440.000, and Bank Mandiri is Rp1.851.400.000.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Pendekatan Biaya, Pendekatan Pasar, Penilaian Properti, Pendekatan Pendapatan, Agunan, Cost Approach, Income Approach, Market Approach, Property Valuation, Collateral
Subjects:	H Social Sciences > HC Economic History and Conditions > HC108 Market surveys. H Social Sciences > HD Industries. Land use. Labor > HD1387 Valuation H Social Sciences > HG Finance > HG3751 Credit--Management. H Social Sciences > HG Finance > HG4028.V3 Valuation. Economic value H Social Sciences > HT Communities. Classes. Races > HT133 City and Towns. Land use,urban
Divisions:	Faculty of Civil Engineering and Planning > Architechture > 23201-(S1) Undergraduate Thesis
Depositing User:	Reyhita Rifika Cahyani
Date Deposited:	28 Jul 2026 07:20
Last Modified:	28 Jul 2026 07:21
URI:	http://repository.its.ac.id/id/eprint/138683

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