The Contribution of Mortgage Lending in Maintaining Financing Quality

Abstract

Bank Tabungan Negara (Persero) Tbk since 1950 has distributed subsidized and non-subsidized housing loans. That's because of PT. The State Savings Bank (Persero) Tbk has committed to supporting the Government Program. This study aims to determine how the distribution of BTN Platinum Home Ownership Credit at PT. State Savings Bank (Persero) Tbk Cirebon Branch Office. The type of research used is qualitative with a descriptive approach and the data collection techniques used are observation and interviews. The results of the research show that Prospective Debtors have a fairly high interest in the BTN Platinum Home Ownership Credit product, especially from Prospective Debtors whose economic aspect is included in the middle to upper category. This is supported by a fast, easy process, competitive interest rates, and the existing debtors are indicated to be very smooth. Distribution of BTN Platinum Home Ownership Loans at PT. State Savings Bank (Persero) Tbk Cirebon Branch Office with Credit Interest Rates offered by PT. State Savings Bank (Persero) Tbk Cirebon Branch Office is relatively cheaper when compared to other banks. Apart from this, the debtors have trusted and believed that the KPR BTN Platinum product was the right choice as a home loan facility scheme for debtors.