Analisis Kebijakan Loan to Value Sebagai USAha Meminimalisir Kredit Bermasalah Dalam Penyaluran Kredit Pemilikan Rumah (Studi Kasus Pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Kediri)

Intan Wulandari • Muhammad Saifi • Devi Farah Azizah
Journal article Jurnal Administrasi Bisnis S1 Universitas Brawijaya • September 2016 Indonesia

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(Bahasa Indonesia, 10 pages)

Abstract

The purpose of this research to find out the policy of loan to value ( ltv ) as the effort to minimize non performing loans and knowing the act of to handle it in credit distribution of mortgage. This type of research used in this research is descriptive case study approach. Loan to value is the ratio between credit ratings can be given bank on the collateral of property at the time of the credit. Bank Indonesia's policy to introduce new rules for observing the principles of prudential credit. But, in practice the distribution of credits are not would go well for a range of factors, one of them of loan defaults. This study was to determine the application of the policy for the loan to value mortgages on PT. Bank Tabungan Negara (Persero) Tbk Kediri Branch Office. In 2015, Bank Indonesia to make changes by giving allowance for the loan to value ratio of 10% in accordance with Bank Indonesia Regulation No. 17/10 / PBI / 2015. Based on calculations by the easing of loan to value ratios, impact on the distribution of mortgage facilities are distributed, and was followed by a decrease in the level of non-performing loan (NPL) is generated.

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Jurnal Administrasi Bisnis S1 Universitas Brawijaya

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