Liyana Nurul Fatimah, . (2026) TINJAUAN PENYALURAN KREDIT PEMILIKAN RUMAH SUBSIDI TERHADAP KINERJA RENTABILITAS PT BANK TABUNGAN NEGARA (PERSERO) TBK PERIODE 2021-2025. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
This final project discusses the role and implementation of the Housing Financing Liquidity Facility Mortgage Program (KPR FLPP) at PT Bank Tabungan Negara (Persero) Tbk and its relationship with bank rentability measured through Net Interest Margin (NIM). This study uses a quantitative descriptive method with secondary data obtained from BTN annual reports, FLPP-related regulations, and other supporting sources. The results show that BTN has a strategic role as an FLPP implementing bank due to its long experience in national housing finance. The distribution of KPR FLPP during the research period experienced several dynamics influenced by public demand, government policies, quota availability, and BTN’s strategy in strengthening the subsidized housing financing process. In terms of rentability, KPR FLPP is related to NIM because it is part of loans that generate interest income. However, its contribution to increasing NIM remains limited because FLPP has a low and fixed interest rate and involves funding costs for the bank’s portion. Therefore, BTN needs to maintain the effectiveness of FLPP distribution while managing funding costs so that the program can continue to support both the bank’s social function and financial performance.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No.Panggil: 2310101003] [Pembimbing: Kery Utami] [Ketua Penguji: Wahyudi] [Penguji 1: Elia Erna Nurdiani] |
| Uncontrolled Keywords: | BTN, KPR FLPP, Rentability |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | LIYANA NURUL FATIMAH |
| Date Deposited: | 26 Aug 2026 02:40 |
| Last Modified: | 26 Aug 2026 02:40 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50720 |
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