Analysis of The Debtor's Endurance using Cox Regression Semiparametric Method

The aim of this research was conducted to determine the factors that influence resilience car loan debtors in an area. method used is semiparametric Cox regression on secondary data, WAREHOUSE consisting customer profile (demography) and historical payment 25 observed variables. model study a proportional hazard model. Based description it shows there risk defaulting who have been past due compared never due. with can be identify affect debtor resilience. Of variables observed, one variable, namely X16 (Age) variable which does not significantly debtor's endurance.
 Keywords: Debtor Resistance; Historical Payment; Semiparametric; Regression; Proportional Hazard
 
 Penelitian ini bertujuan untuk mengetahui faktor yang berpengaruh terhadap daya tahan debitur kredit mobil di suatu wilayah. Metode penelitian digunakan pada adalah regresi cox data sekunder, warehouse terdiri profil (demographi) dan historycal atas varibel diamati. Model proporsional. Berdasarkan deskripsi menunjukkan adanya risiko gagal bayar Pernah Past Due dibandingkan Never Due. dengan metode semiparametrik dapat mengedentifikasi faktor-faktor mempengaruhi debitur. Dari diamati ada 1 (satu) yaitu peubah tidak signifikan debitur.
 Kata Kunci: Daya Tahan Debitur; Riwayat Pembayaran; Semiparametrik; Regresi Cox; Proporsi Hazard