Efektivitas Program Perumahan Bersubsidi Pada Produk KPR BTN Sejahtera iB (Studi Kasus: Bank Tabungan Negara Kantor Cabang Syariah Bekasi)

  • Fuji Rahayu Program Studi Perbankan Syariah FAI UNISMA Bekasi
  • Rafika Rahmawati Program Studi Perbankan Syariah FAI UNISMA Bekasi
Keywords: Effectiveness, Subsidized Housing Program, KPR BTN Sejahtera IB Products, Bank Tabungan Negara Bekasi Sharia Branch Office

Abstract

The purpose of this study was to determine “The Effectiveness of the Subsidized Housing Program
on KPR BTN Sejahtera IB Products (Case Study: Bank Tabungan Negara Bekasi Sharia Branch
Office)”, this research includes field research (field research) with qualitative methods and supported
by library research (library research). ) relating to the effectiveness of the subsidized housing program
on KPR BTN Sejahtera IB products. Data collection techniques for this study consisted of observation,
interviews, and documentation. As well as data analysis techniques for this thesis research using
techniques: data reduction, data presentation and drawing conclusions. Measurement of effectiveness,
seen from three factors, namely: first, convenience, second, target accuracy, and third, affordability.
Based on the results of the research, it shows the effectiveness of the subsidized KPR program, namely
the convenience factor because the requirements, processes, forms of service, and administrative costs
have been effective and affordable because it is easy for the public to obtain information about KPR
BTN Sejahtera IB at Bank Tabungan Negara Bekasi Sharia Branch Office, monthly installments. ,
details and total costs during the contract that are not burdensome, payment facilities have helped
customers, and there are no sanctions or fines if they experience arrears in payments every month,
while the ineffectiveness is seen in the factor of the accuracy of targeting because many customers
who take the subsidized housing program are not occupied but only for investment. Therefore, it must
be improved in all its aspects in order to produce optimal effectiveness for the subsidized housing
program on the KPR BTN Sejahtera IB product at the Bekasi Sharia Branch Office State Savings Bank.

Published
2020-06-02