Home Ownership Loan Application Procedure (Kpr) Griya For Millenials (Gaul) At PTBank Pembangunan Jawa Barat dan Banten Tbk Kramatwatu
DOI:
https://doi.org/10.61659/reaction.v2i01.149Keywords:
Procedures, Home Ownership, and BanksAbstract
Purpose - This writing is to find out how the procedure for applying for mortgages and find out what factors influence customer interest in choosing a mortgage.
Design/methodology/approach - The method used in this research is descriptive qualitative research method. The techniques used in data collection where the data sources obtained are primary and secondary data.
Finding - PT. The Regional Development Banks of West Java and Banten, Tbk have procedures that must be followed in applying for mortgages. In addition, PT. The Regional Development Banks of West Java and Banten, Tbk also apply the precautionary principle, this aims to minimize the risk of problem loans that can occur at any time. In the credit application procedure, there needs to be good cooperation between the bank and the debtor so that the credit application process goes well. From the results of the discussion, the procedure for applying for a mortgage at PT. West Java and Banten Regional Development Bank, Tbk The Kramatwatu Sub-Branch Office Serang - Banten is in accordance with established procedures and the bank has solutions to increase customer interest in choosing mortgage products so that the loan application process can run properly and according to procedures.
References
Wiwoho, J. (2014). Banks and Other Financial Institutions. In Revised Edition: Vol. 43 No.1 (February issue).
Sugiyono. (2019). Qualitative, Quantitative and R&D Research Methodology, 22nd Printing, Bandung: Alfabeta, cv.
Cashmere. (2012). Banks and Other Financial Institutions. Jakarta: PT. Rajagrafindo Persada.
Djaslim Saladin, Fundamentals of Bank Marketing Management, (Jakarta: CV Rajawali 1994)
(Saryanti & Sudrajat, 2020) Idris, TA (2021). Factors Influencing Millennial Customer Interest in Choosing Sharia Home Ownership Loans ( KPR) (Case Study of BTN Syariah KCP Purwokerto Customers. 1–249.
Saryanti, S., & Sudrajat, Y. (2020). Procedure for Granting Home Ownership Credit (KPR) PT. West Java and Banten Regional Development Bank Tbk Subang Branch Office. Journal of World Financial Administration, 1(2), 85–100. https://doi.org/10.37950/wfaj.v1i2.759
Sharif, TY (2014). PROCEDURE FOR GRANTING OF OWNERSHIP CREDIT PT BANK bjb TAMANSARI BANDUNG BRANCH OFFICE.
Source Site
"Products of PT. Regional Development Bank West Java and Banten, Tbk", http://bankbjb.co.id (accessed March 12, 2022)
"The history of PT. West Java and Banten Regional Development Bank, Tbk". http://id.m.wikipedia.org/wiki/Bank_BJB (accessed 15 March 2022)
“Knowing Home Ownership Loan Products for Millennials 2021 http://konsumtif.com/credit/tabelpinjaman-bank-bjb (accessed March 20, 2022)
Sources of Laws and Regulations
Law of the Republic of Indonesia Number 10 of 1988 concerning Banking
Final Project Resources
Amaliah. (2021) Procedures for the Implementation of Loans for Community Service (KGB) at PT. West Java and Banten Regional Development Bank, Tbk Sub-Branch Office Kramatwatu Serang – Banten Piksi Input Polytechnic Serang-Banten.
Yuningsing Syarif, Tri (2014) Procedure for Granting Housing Loans (KPR) PT. Bank BJB Branch Office Tamansari Bandung Indonesian Computer University a
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