Challenges and Opportunities in Accessing Subsidized Home Ownership Credit for Informal Sector Workers (Case Study at Bank Tabungan Negara, Bitung City)

This study examines the challenges and opportunities for informal sector workers in accessing subsidized mortgages (KPR) in Bitung City, focusing on Bank Tabungan Negara (BTN). The research method used was a qualitative approach. The results indicate that the main obstacles faced by informal sector workers include income instability, limited official documents, and strict banking regulations. However, opportunities exist through financing innovation, the role of fintech, and government financial inclusion policies. Based on these findings, the study recommends more flexible policies and the use of financial technology to increase the accessibility of subsidized mortgages for informal sector workers.

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Publication Details

Journal
Journal Research of Social Science Economics and Management
Published
2025-09-08
DOI
https://doi.org/10.59141/jrssem.v5i2.991
Primary Topic
Microfinance and Financial Inclusion
Type
article
Field-Weighted Citation Impact
0.00
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article

Challenges and Opportunities in Accessing Subsidized Home Ownership Credit for Informal Sector Workers (Case Study at Bank Tabungan Negara, Bitung City)

Anderson Guntur Kumenaung, Ita P. F. Rorong, Tonny Chrishard Caerol Runtu
Journal Research of Social Science Economics and Management
Microfinance and Financial Inclusion
article

Challenges and Opportunities in Accessing Subsidized Home Ownership Credit for Informal Sector Workers (Case Study at Bank Tabungan Negara, Bitung City)

Anderson Guntur Kumenaung, Ita P. F. Rorong, Tonny Chrishard Caerol Runtu
article en

Abstract

This study examines the challenges and opportunities for informal sector workers in accessing subsidized mortgages (KPR) in Bitung City, focusing on Bank Tabungan Negara (BTN). The research method used was a qualitative approach. The results indicate that the main obstacles faced by informal sector workers include income instability, limited official documents, and strict banking regulations. However, opportunities exist through financing innovation, the role of fintech, and government financial inclusion policies. Based on these findings, the study recommends more flexible policies and the use of financial technology to increase the accessibility of subsidized mortgages for informal sector workers.

Journal Research of Social Science Economics and ManagementVol. 5(2)
Sam Ratulangi University (ID)
Openalex Percentile: Top 67%
Microfinance and Financial Inclusion
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