Analisis Manajemen Kredit Kepemilikan Rumah Untuk Meminimalisir Kredit Macet Pada Produk Kpr Btn Ib (Studi Pada Kantor Bank Tabungan Negara Syariah Cabang Malang)

The objectives of research are (1) to understand the management of House Ownership Credit (KPR) provided by BTN Syariah of Malang Branch; and (2) to acknowledge the management of BTN Syariah of Malang in dealing with default credit. Research type is descriptive research with qualitative approach. Data source includes primary and secondary. Literature study and interview with employees are conducted to obtain the favorable data. Techniques to collect these data are observation, interview and documentation. Data analysis is descriptive analysis. Result of research indicates that the management of house ownership credit provided by BTN Syariah has complied with procedures, credit management controls, and stipulations preceded by Banking Act of Bank Tabungan Negara Syariah of Malang Branch. Therefore, BTN attempts to improve its quality and performance such that annual growth rate default credit can be controlled in proper way