Ahmad Faiz, . (2025) ANALISIS PENYALURAN KPR PADA BANK TABUNGAN NEGARA (PERSERO). Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
Bank Tabungan Negara (BTN) is a financial institution that plays a crucial role in providing mortgage financing (KPR) in Indonesia. BTN offers two main types of mortgages: Subsidized Mortgages (KPR Subsidi) and Non-Subsidized Mortgages (KPR Non-Subsidi). The Subsidized Mortgage is intended for low-income communities (MBR) with lower interest rates and longer loan tenures, in line with the government's program to provide affordable housing. On the other hand, the Non-Subsidized Mortgage targets middle to upper-income groups who require financing with more flexible features.The mortgage distribution process at BTN involves several stages, including application submission, borrower eligibility verification, collateral assessment, and fund disbursement. To accelerate the process and improve accessibility for the public, BTN has leveraged digital technology. However, in its implementation, several challenges arise, such as limited subsidy funds, interest rate fluctuations, and the risk of non-performing loans due to declining borrower capabilities.Overall, BTN's mortgage distribution has a positive impact in reducing the housing backlog and enhancing community welfare. To ensure the sustainability of this program, effective risk management and strong collaboration between the government, banking sector, and property developers are essential.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No. Panggil : 2110101044] [Pembimbing: Mira Rahmi] [Penguji 1 : Anita Nopiyanti] [Ketua Penguji : Ardhiani Fadila] |
| Uncontrolled Keywords: | Bank Tabungan Negara (BTN), Mortgage Loan (KPR), Subsidized Mortgage. |
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | AHMAD FAIZ |
| Date Deposited: | 05 May 2026 05:14 |
| Last Modified: | 05 May 2026 05:14 |
| URI: | http://repository.upnvj.ac.id/id/eprint/35706 |
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