Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Realism: Law Review
Bahtiyor, Kobulov
Unknown Affiliation
Law, Crime, Criminology & Criminal Justice

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
LEGAL APPROACH IN OVERCOMING BAD CREDIT MORTGAGE AT BANK BTN PAREPARE Akil, Bahrul Iman; Syahril, Muh. Akbar Fhad; Rahman, Muhammad; Ambarwati, Auliah; Asriani, Asriani; Bahtiyor, Kobulov
Realism: Law Review Vol. 3 No. 1 (2025): Realism: Law Review
Publisher : Sabtida

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71250/rlr.v3i1.53

Abstract

Home Ownership Loans (KPR) offered by PT Bank Tabungan Negara (persero) Tbk. (Bank BTN) are superior products in housing financing. However, the risk of bad loans remains a significant challenge for banks. To overcome this problem, Bank BTN has developed a series of bad loan settlement mechanisms regulated in the Standard Operating Procedures (SOP). These mechanisms include repayment with relief, gradual repayment, transfer of debtors, redemption of collateral, subrogation, cessie, and sale of collateral. Through a transparent and collaborative approach, the bank strives to provide fair solutions for customers and maintain financial stability. The study also identifies factors that affect the success of the non-performing loan settlement process, including policy innovations that accommodate provisions outside the SOP. One such innovation is the transfer of debtors under the hands, which allows risk mitigation and legal protection for potential buyers. Thus, Bank BTN can continue to maintain credit quality and provide the best service to its customers.
Co-Authors Akil, Bahrul Iman Asriani Asriani, Asriani Auliah Ambarwati Muh. Akbar Fhad Syahril Rahman, Muhammad