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All Journal Jambi Accounting Review (JAR)
Silalahi, Arlis Futri
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Economics, Econometrics & Finance

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ANALISIS FUNDAMENTAL DAN EKSPLORASI KOMPREHENSIF MANAJEMEN RISIKO KREDIT PADA PROGRAM KPR SUBSIDI DI PT. BANK TABUNGAN NEGARA (PERSERO) Tbk. KANTOR CABANG JAMBI: SEBUAH KAJIAN TEORITIS DAN PRAKTIS DALAM MENJAGA STABILITAS KEUANGAN PERBANKAN Silalahi, Arlis Futri; Dahlia, Dahlia
Jambi Accounting Review (JAR) Vol 6 No 3 (2025): Jambi Accounting Review (JAR)
Publisher : Jurusan Akuntansi FEB Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jar.v6i3.55247

Abstract

This extensive scientific work explores every dimension of the credit risk management procedures implemented by Bank BTN Jambi Branch Office in facilitating housing needs for Low-Income Communities (MBR). Within an economic landscape fraught with uncertainty, credit risk emerges as an existential challenge for the banking industry. This research employs a qualitative-phenomenological methodology to dissect how internal bank policies interact with customer behavior in Jambi Province. The analysis spans from the highly selective pre-screening phase via SLIK OJK and multi-layered repayment capacity verification to educational and persuasive non-performing loan handling strategies. The research findings provide new insights into the importance of synchronizing digital technology with physical field verification in suppressing Non-Performing Loan (NPL) rates.
Co-Authors Dahlia Dahlia