PROSEDUR PEMBERIAN KREDIT PEMILIKAN RUMAH SEJAHTERA TAPAK DI PT BANK TABUNGAN NEGARA (PERSERO) KANTOR CABANG GRESIK

The house has a very strategic function as the center of family education and improving the quality of future generations. But many people do not have a decent home, therefore the Government in collaboration with the PT Bank Tabungan Negara (Persero) Tbk provide mortgage, Sejahtera Tapak Mortgage. This mortgage is given to Indonesian citizens who make less than 4 million in a month. As banks that distribute credit, PT Bank Tabungan Negara (Persero) Tbk also avoid non-performing loans (NPLs). NPLs are loans which has a broken promise of repayment according to the agreement, and there is a loss potential in the bank, so, it has the possibility of a risk in later for the bank. To avoid losses, then the provision of Sejahtera Tapak Mortgage carried by predefined procedures. This procedure is used in order to Sejahtera Tapak Mortgage can be given to the right person. keywords : sejahtera tapak, mortgage, procedur