ANALISIS PROSEDUR PEMBERIAN KREDIT PEMILIKAN RUMAH (KPR) PLATINUM PADA PT. BANK TABUNGAN NEGARA (PERSERO) TBK. KC PALEMBANG

SIBALAN, ANGELA PATRICE and Muthia, Fida (2025) ANALISIS PROSEDUR PEMBERIAN KREDIT PEMILIKAN RUMAH (KPR) PLATINUM PADA PT. BANK TABUNGAN NEGARA (PERSERO) TBK. KC PALEMBANG. Diploma thesis, Sriwijaya University.

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Abstract

Penelitian ini bertujuan untuk menganalisis prosedur pemberian KPR Platinum pada PT. Bank Tabungan Negara (Persero) Tbk. Kantor Cabang Palembang. KPR Platinum merupakan salah satu produk pembiayaan unggulan BTN yang ditujukan untuk nasabah dengan penghasilan menengah ke atas. Dalam praktiknya, proses pemberian KPR tidak lepas dari sejumlah prosedur administratif dan penilaian kelayakan kredit yang ketat. Penelitian ini dilakukan dengan mengumpulkan data melalui pengamatan langsung di lapangan. Hasil penelitian menunjukkan bahwa prosedur pemberian KPR Platinum secara umum telah berjalan sesuai dengan standar operasional yang ditetapkan. Namun, terdapat beberapa kendala yang dihadapi dalam prosesnya, antara lain gangguan sistem saat input data, ketidaksesuaian data calon debitur, lambatnya proses appraisal agunan, serta keterlambatan pembayaran biaya pra-akad oleh calon debitur. Untuk mengatasi kendala tersebut, diperlukan peningkatan sistem teknologi informasi, verifikasi data yang lebih akurat, efisiensi proses appraisal, serta edukasi dan pengingat rutin kepada nasabah terkait kewajiban pembayaran. Dengan perbaikan ini, diharapkan proses pemberian KPR Platinum menjadi lebih efektif dan efisien ke depannya. Kata kunci: KPR Platinum, prosedur kredit, Bank BTN, analisis kredit. This study aims to analyze the procedure for providing Platinum KPR at PT. Bank Tabungan Negara (Persero) Tbk. Palembang Branch Office. Platinum KPR is one of BTN's leading financing products aimed at customers with middle to upper incomes. In practice, the process of providing KPR cannot be separated from a number of administrative procedures and strict creditworthiness assessments. This study was conducted by collecting data through direct observation in the field. The results of the study indicate that the procedure for providing Platinum KPR has generally been running in accordance with the established operational standards. However, there are several obstacles faced in the process, including system disruptions during data input, inconsistencies in prospective debtor data, slow collateral appraisal processes, and late payment of pre-agreement fees by prospective debtors. To overcome these obstacles, it is necessary to improve the information technology system, more accurate data verification, efficiency of the appraisal process, and regular education and reminders to customers regarding payment obligations. With these improvements, it is hoped that the process of providing Platinum KPR will be more effective and efficient in the future. Keywords: Platinum KPR, credit procedures, Bank BTN, credit analysis.

Item Type:	Thesis (Diploma)
Uncontrolled Keywords:	KPR Platinum, prosedur kredit, Bank BTN, analisis kredit.
Subjects:	H Social Sciences > HB Economic Theory > HB1-3840 Economic theory. Demography
Divisions:	01-Faculty of Economics > 63412-Secretarity (D3)
Depositing User:	Angela Patrice Silaban
Date Deposited:	25 Jul 2025 01:43
Last Modified:	25 Jul 2025 01:43
URI:	http://repository.unsri.ac.id/id/eprint/180375

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