Penyelesaian Kredit Macet Antara Bank Dan Nasabah Mengenai Kredit Pemilikan Rumah Faktor Penyebab Terjadinya Kredit Macet dalam Kredit Pemilikan Rumah antara Nasabah dengan Bank Tabungan Negara Cabang Jambi, Upaya Penyelesaian Kredit Macet Pada Bank Tabungan Negara dalam Kredit Pemilikan Rumah

Abstract

Home ownership credit (KPR) is a banking product that has an important role in encouraging the growth of the property sector. However, the increase in the number of non-performing mortgage loans at Bank Tabungan Negara, Tbk. The Jambi branch shows that there are problems that need to be addressed. This research aims to analyze the factors that cause bad mortgage loans at Bank Tabungan Negara and develop effective resolution strategies. The research method used is empirical juridical with data collection based on empirical facts. Data was obtained through in-depth interviews with related parties at Bank Tabungan Negara as well as direct observation. The analysis results show that external factors such as economic conditions and the property market as well as internal factors such as banking policies and risk management play a key role in increasing the level of non-performing mortgage loans. Several external factors such as economic conditions due to the emergence of the Covid-19 pandemic have caused a decline in economic income. This research contributes to the understanding of strategies for resolving bad mortgage loans at Bank Tabungan Negara, Tbk. Jambi Branch with two efforts, namely rescheduling and restructuring.