Analisis Durasi Penyelesaian Tunggakan Kredit Menggunakan Metode Regresi Cox Proportional Hazard (Studi Kasus: PT. Fifgroup Cabang Srono)

Supriyadi, Azzam Pahlawan Ramadhan (2026) Analisis Durasi Penyelesaian Tunggakan Kredit Menggunakan Metode Regresi Cox Proportional Hazard (Studi Kasus: PT. Fifgroup Cabang Srono). Other thesis, Institut Teknologi Sepuluh Nopember.

Text 2043221006-Undergraduate_Thesis.pdf Restricted to Repository staff only Download (1MB) | Request a copy

Abstract

PT. FIFGROUP merupakan salah satu perusahaan multifinance terbesar di Indonesia dengan kinerja yang relatif baik. Namun, efektivitas di tingkat operasional cabang tidak selalu sejalan dengan capaian nasional. Penelitian ini mengangkat permasalahan operasional di Kantor Cabang Srono. Dari empat cabang di Kabupaten Banyuwangi, Kantor Cabang Srono memiliki performa terendah sejak bulan April 2025. Pembagian kerja pada debt collector di kantor Cabang Srono belum optimum, mengingat beban kerja karyawan hanya didasarkan pada nilai piutang nasabah secara tanpa memperhatikan variabel lainnya. Penelitian ini berfokus pada nasabah dengan tunggakan kredit selama tiga bulan yang termasuk dalam beban kerja Divisi C2 PT. FIFGROUP Cabang Srono pada bulan April 2025, karena kelompok ini merupakan kelompok yang cukup krusial dalam proses pengendalian risiko kredit. Metode yang digunakan dalam penelitian ini adalah Cox Proportional Hazard, karena metode ini mampu menganalisis pengaruh berbagai variabel terhadap waktu terjadinya peristiwa, yaitu risiko nasabah tidak membayar tunggakan kredit, tanpa mengharuskan asumsi bentuk distribusi tertentu pada baseline hazard. Hasil penelitian menunjukkan bahwa sebanyak 44,8% nasabah Divisi C2 PT. FIFGROUP Cabang Srono tercatat tidak membayar tunggakan kreditnya. Hasil pemodelan Cox Proportional Hazard mengindikasikan bahwa variabel outstanding pokok, lama cicilan berjalan, objek pinjaman, dan domisili nasabah berpengaruh signifikan terhadap durasi penyelesaian tunggakan kredit. Peningkatan outstanding pokok dan lama cicilan berjalan meningkatkan risiko nasabah tidak membayar tunggakan kredit. Kredit pembiayaan barang – barang elektronik (MPF) memiliki risiko tertinggi, sedangkan kredit kendaraan bermotor (NMC) memiliki risiko terendah. Dari sisi domisili, Kecamatan Singojuruh memiliki risiko terendah, sementara Kecamatan Muncar memiliki risiko tertinggi.
===================================================================================================================================
PT. FIFGROUP is one of the largest multifinance companies in Indonesia with relatively strong national performance. However, operational effectiveness at the branch level does not always align with national achievements. This study addresses operational issues at the Srono Branch Office. Among four branches in Banyuwangi Regency, the Srono Branch has recorded the lowest performance since April 2025. The workload distribution among debt collectors at the Srono Branch has not been optimal, as it is determined solely based on the outstanding receivable amount without considering other relevant variables. This study focuses on customers with three months of credit arrears, categorized under Division C2 of PT. FIFGROUP Srono in April 2025, as this group is considered critical in credit risk management. The Cox Proportional Hazard method was employed because it allows the analysis of multiple variables affecting the timing of an event specifically, the risk of customers failing to settle their arrears without requiring assumptions about the baseline hazard distribution. The results indicate that 44.8% of customers in Division C2 failed to repay their overdue credit. The Cox Proportional Hazard model reveals that outstanding principal, loan tenure, type of financed object, and customer domicile significantly influence the duration of arrears resolution. Higher outstanding principal and longer loan tenure increase the risk of non-payment. Financing for electronic goods (MPF) exhibits the highest risk, while motor vehicle financing (NMC) shows the lowest risk. In terms of domicile, Singojuruh District has the lowest risk, whereas Muncar District has the highest risk.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Analisis Survival, Cox Proportional Hazard, Perusahaan Pembiayaan, PT. FIFGROUP, Tunggakan Kredit Cox Proportional Hazard, Credit Arrears, Multifinance, PT PT. FIFGROUP, Survival Analysis
Subjects:	H Social Sciences > HG Finance > HG3751 Credit--Management. Q Science
Divisions:	Faculty of Vocational > 49501-Business Statistics
Depositing User:	Azzam Pahlawan Ramadhan
Date Deposited:	17 Jul 2026 04:00
Last Modified:	17 Jul 2026 04:00
URI:	http://repository.its.ac.id/id/eprint/132466

Actions (login required)

View Item