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)

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.