Delia Ananda Safitri, Tassha Aulia Putri, Riska Wahyu Romadhonia
This study aims to analyze the effect of loan size, time period, and type of collateral on the smooth repayment of loans at Bank BTN Surabaya. Bank BTN is the largest provider of housing loans in Indonesia, which faces challenges related to credit collectibility, with many debtors classified as non-current. The quantitative method used in this research was distributing questionnaires to 53 BTN employees in Surabaya. The data were analyzed with the help of the SPSS 25 program. Specifically, the size of the loan shows a regression coefficient of 0.279 with 6.170 (t value) > 2.010 (t table) and a significant value < 0.05, which means that the size of the loan has a positive and significant effect on the smooth repayment of Credit. The term shows a regression coefficient of 0.871 with 9.430 (t value) > 2.010 (t table) and a significant value < 0.05, indicating that a shorter term has a positive and significant effect on the smooth repayment of Credit. The type of collateral shows a regression coefficient of 0.493 with 8.623 (t value) > 2.010 (t table) and a significant value < 0.05, indicating that the type of collateral that is more valuable has a positive and significant effect on the smooth return of Credit. This research is expected to provide an empirical contribution in supporting attribution theory and provide an overview for policymakers in channeling Credit more effectively to minimize non-performing loans. © 2025 Author(s).
Mathematics Study Program, Surabaya State University, Surabaya, Indonesia
