Effectiveness of Credit Agreements with Subsidized Mortgages Massively at PT. Bank Tabungan Negara (Persero) Tbk Purworejo Branch

Septiana Prastiwi

Abstract


This study aims to determine and analyze the effectiveness of the implementation of credit agreements with mass subsidized KPR, as well as obstacles and solutions in the effectiveness of the implementation of credit agreements with mass subsidized KPR at Bank BTN Purworejo. This research is a type of sociological or empirical legal research, with a legal, conceptual, and legislative sociology approach. The types and sources of data in this study use primary data obtained through interviews and secondary data through literature studies, then analyzed qualitatively. Based on the research, it is concluded that: (1) The implementation of mass subsidized KPR credit agreements at Bank BTN Purworejo has proven to be very effective in providing decent housing, through efficiency strategies and accelerated distribution. This approach contributes to predictability and legal protection through standardization of procedures, documents, comprehensive socialization, the use of standard agreements, and the role of Notaries in ensuring legality. This effectiveness is supported by the compliance of all related parties and intensive coordination, showing that legal principles can be practically applied in a mass format, and gain wide acceptance from the community because of the benefits of affordable home ownership; (2) Obstacles to the effective implementation of mass subsidized mortgage credit agreements at Bank BTN Purworejo include document delays and debtor unpreparedness, which are primarily caused by low administrative and financial literacy and the complexity of the requirements. To address this, Bank BTN Purworejo provides three solutions, namely comprehensive initial socialization, document reminder mechanisms, and intensive coordination with developers, complemented by efforts to digitize the application process. This synergistic approach aims to increase legal certainty and the effectiveness of the subsidized mortgage program in realizing home ownership for the community.


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References


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