Herazi, Lucky R. (2015) Analisa Nilai Agunan Rumah Tinggal Di Jalan Nanas IX/N-771 Pondok Chandra Indah, Waru, Sidoarjo. Undergraduate thesis, Institut Technology Sepuluh Nopember.
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Abstract
Seorang nasabah mengajukan permohonan kredit ke bank
untuk mendapatkan dana pinjaman guna keperluan modal usaha.
Untuk memberikan pinjaman yang berupa kredit, maka nasabah
tersebut perlu meyakinkan bank untuk membayar kembali
kreditnya, salah satunya dengan agunan kredit. Agunan adalah
bentuk pinjaminan dari nasabah kepada bank atas kredit yang
diberikan oleh pihak bank. Agunan digunakan untuk
meminimalisasi resiko macet dan kerugian pihak bank. Barang
yang dapat dijadikan agunan adalah properti yang berupa tanah
dan bangunan.
Tugas akhir ini bertujuan untuk mencari nilai pasar dari
rumah tinggal yang berlokasi di Jl. Nanas IX/N-771 Pondok
Chandra Indah, Waru, Sidoarjo, yang kemudian digunakan untuk
memperoleh nilai agunan objek penelitian. Metode yang
digunakan adalah perbandingan data pasar dan pendekatan
biaya. Setelah indikasi nilai pasar didapatkan dari kedua metode
tersebut, maka nilai agunan dapat dihitung berdasarkan syarat
yang didapat dari bank nasional.
Diperoleh nilai pasar rumah tinggal sebesar Rp
1.571.095.600,- (satu milyar lima ratus tujuh puluh satu juta
sembilan puluh lima ribu enam ratus rupiah). Berdasarkan
peraturan Bank BNI, diperoleh nilai agunan maksimum sebesar
Rp 1.079.550.000,- (satu milyar tujuh puluh sembilan juta lima
iii
ratus lima puluh ribu rupiah) dan minimum sebesar Rp
1.047.670.307,- (satu milyar empat puluh tujuh juta enam ratus
tujuh puluh ribu tiga ratus tujuh rupiah) . Sedangkan menurut
peraturan Bank Mandiri diperoleh nilai agunan sebesar Rp
1.077.554.800 (satu milyar tujuh puluh tujuh juta lima ratus lima
puluh empat ribu delapan ratus rupiah).
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A customer submits credit application to the bank to obtain
loan for business fund purpose. To give credit as loan, customer
has to make the bank certain that he will pay the credit back, one
of them is collateral credit. Collateral is a form of guarantee from
the customer to the bank on loan that granted by bank. Collateral
is used to minimize the risk of misfire and loss on the bank side.
Items that can used to be collateral such as land and building.
The purpose of this final project is to find the market value
of house where located at Jl. Nanas IX/N-771 Pondok Chandra
Indah, Waru, Sidoarjo, which can be used to get the collateral
value of the object. Methods that used are market data approach
and cost approach. Market data approach earned by compares
the object with comparative properties. And the cost approach
calculated by reproduction cost plus the land value that
calculated using market data approach. After we get the result of
indication of market value, the collateral value can be calculated
based on terms of presentation of national bank.
Market value of the house is Rp 1.571.095.600,- (one billion
five hundred seventy one million ninety five thousand six hundred
rupiah). Based on the regulation of BNI Bank, the maximum
collateral value is Rp 1.079.550.000,- (one billion seventy nine
million five hundred fifty thousand rupiah) and the minimum
v
value is Rp 1.047.670.307,- (one billion forty seven million six
hundred seventy thousand three hundred seven rupiah) .
Whereas, based on the regulation of Mandiri Bank, the collateral
value is Rp 1.077.554.800 (one billion seventy seven million five
hundred fifty four thousand eight hundred rupiah).
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Additional Information: | RSS 690.81 Her a |
| Uncontrolled Keywords: | agunan, rumah tinggal, data pasar, biaya |
| Subjects: | N Fine Arts > NA Architecture > NA7115 Domestic architecture. Houses. Dwellings T Technology > TF Railroad engineering and operation > TF193 Estimates, costs, etc. |
| Divisions: | Faculty of Civil Engineering and Planning > Civil Engineering > 22201-(S1) Undergraduate Thesis |
| Depositing User: | Mr. Tondo Indra Nyata |
| Date Deposited: | 13 Jun 2019 03:22 |
| Last Modified: | 13 Jun 2019 03:22 |
| URI: | http://repository.its.ac.id/id/eprint/63124 |
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