Aplikasi Metode Accelerated Failure Time (AFT): Analisis Risiko Prepayment pada Kredit Kendaraan Bermotor

This study aims to measure the probability distribution of time payment in advance and explain factors that can affect risk credit loans using life analysis method. research method is descriptive quantitative The sample this motor vehicle loan financing debtors from private banks Indonesia with an observation period between 2017-2019. results indicate there a 50% chance debtor motorcycle car will have upfront after 21 months 24 initial application period. After 44th 68th months, estimated having prepayment > 99%. In conclusion, tenor factor, limit, occupation, income, gender, marital status, age, education level variation until for financing. Meanwhile, addition these factors, additional factor area ​​residence also affects payments loans.
 
 Keywords: Survival Analysis, Banking, Credit Loans, Accelerated Failure Time, Prepayment Time