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Adhitya Bagus Singandaru
Fakultas Ekonomi Dan Bisnis, Universitas Mataram, Indonesia
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Journal : Unram Law Review

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Subsidized Home Ownership Credit Agreement at the Mataram Branch of PT. Bank Tabungan Negara Sudiarto Sudiarto; Adhitya Bagus Singandaru; Adhitya Bayu Suryantara
Unram Law Review Vol 6 No 2 (2022): Unram Law Review(ULREV)
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ulrev.v6i2.255

Abstract

Regarding to the fulfillment of the housing needs of the society, Indonesian government finally issued a policy related to subsidized housing ownership for low-income groups by installments through banks. However, the fact provision of subsidized housing loans experienced bad credit due to a lack of prudence by the bank in analysis before granting credit. The research method used in this study is a normative research method, by using library materials as primary data, especially from literature. The results of this study are to avoid the possibility of bad credit in the provision of subsidized housing loans, the bank as the creditor must be able to apply the prudential principle by conducting credit analysis in approving a credit application submitted. The principle of bank prudence takes the form of the 5C principles, which then known as Character, Capacity, Capital, Collateral, Condition of economy.
Co-Authors Adhitya Bayu Suryantara Akung Daeng Akung Daeng Alfan, Muhammad Alloh, Risky Ridho Alpianingsih, Depi Anggara, Jaka Arini, Gusti Ayu Ariyadi, Ahmad Akhsan Atmayanti, Tati Azhari, Rudi B. Busaini, B. Baiq Nikmatul Ulya Baiq Nikmatul Ulya Baiq Nikmatul Ulya Baiq Saripta Wijimulawiani Budiatiningsih , Baiq Nikmatul Ulya Budiatiningsih , Mahmudah Budiatiningsih, Mahmudah Bustaomi, Yazid Cantika Amanda Rahman Devi Febriana Diswandi Diswandi Diswandi EMI SALMAH Emi Yulia Hasanah Fadliyanti, Luluk Furkan, Lalu M. Gina Fitria Prihatin Hak, Muhamad Bai'ul Hak, Muhamad Bai’ul Handalusia Husni, Vici Hasnia Minanda Hasnia Minanda Hidayat, Ali Akbar Hulfa, Ihyana Husni, Vici Handalusia Indriyani Rahma Jaka Anggara Jaka Anggara Jr, Bun Bun Judandi Rizky Pratomo Kartikasari, Nungki M. Firmansyah Mahmudah Mahmudah Masrun Maulana Malik Irsyad Maulana, M. Reza Agista Maulana, Yodi Minanda, Hasnia Minanda.docx, Hasnia MUAIDY YASIN, MUAIDY Muhammad Afif Muhammad Alwi Muhammad Dzul Fadlli Muhammad Firmansyah, Muhammad Muhammad Syafiuddin Na'ilah, Na'ilah Nira Devi Poudel Nisa Salsabila Nur aeda Nurwahyudi, Ilham Nuryanti Pahlevvi Dwi Syahputra, Meidio Prayitno Basuki Prayitno Basuki, Prayitno Putra, Taufan Handika Rahmad Danang Prayogo Rahman Rahman Ratna Wati Riyan Azis Firmansyah Rizal Kurniansah Rizal Kurniansah Kurniansah Rizki, Dwi M Rizki, Zainul Rizkia, Ahmad Rojabi, Siti Hamdiah Ro’is, Ihsan Rudi Azhari Sahri Sahri Sahri, H. Septari, Indri Shalehah, Siti Raehanun Siti Hamdiah Rojabi Siti Hamdiah Rojabi Siti Maolida Yulianti Siti Sriningsih St. Maryam Sudiarto Sudiarto Syafrani Ningsih teguh_arya_bakti Vianti, Rinda Astri Vici Handalusia Husni Wafik, Ahmad Zaenal Wahidin Wahidin Wahidin Widari, Baiq Wijaya, Zaradiska Mutiara Yeni Dama Yanti Yulianti, Siti Maolida Yunia Ulfa Variana