PELAKSANAAN PERJANJIAN KREDIT PEMILIKAN RUMAH (KPR) SEJAHTERA FASILITAS LIKUIDITAS PEMBIAYAAN PERUMAHAN (FLPP) DI PT BANK TABUNGAN NEGARA (PERSERO) CABANG PADANG

Abstract

ABSTRAK

Mortgage financing (mortgage) Welfare Housing Finance Liquidity Facility (FLPP) is a financing program to help low-income communities (MBR) to get credit for having a place to stay that is simple, healthy and livable. FLPP Fund is a pooled fund government to fund the executing bank lending remained throughout the credit period. The formulation of the problem is: 1) How is the implementation of the provision of mortgage (mortgage) FLPP prosperous conducted in the State Savings Bank branch Padang? 2) The problem is that arising from the agreement prosperous FLPP Home Loan? and 3) efforts made by the State Savings Bank in overcoming the problems arising from the agreement sejatera FLPP Home Loan ?. This type of research is the Law of Juridical Sociological research using primary data in the form of direct interviews and secondary data sheet Housing Loan application and data analysis technique is qualitative descriptive analysis technique. Results of the study were 1) the existence of an agreement between the applicant mortgage financing with PT BTN 2) bad debts become a major issue 3) bank reviewing, monitoring and analysis with these loans.

Keywords: agreement, mortgage, FLPP