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

Authors

  • Tonny Chrishard Caerol Runtu Universitas Sam Ratulangi, Indonesia
  • Anderson G. Kumenaung Universitas Sam Ratulangi, Indonesia
  • Ita Pingkan Rorong Universitas Sam Ratulangi, Indonesia

DOI:

https://doi.org/10.59141/jrssem.v5i2.991

Keywords:

Subsidized Mortgages, Informal Sector Workers, Bank Tabungan Negara, Financial Inclusion

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.

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Published

2025-09-08

How to Cite

Caerol Runtu, T. C., Kumenaung, A. G., & Rorong, I. P. (2025). Challenges and Opportunities in Accessing Subsidized Home Ownership Credit for Informal Sector Workers (Case Study at Bank Tabungan Negara, Bitung City). Journal Research of Social Science, Economics, and Management, 5(2), 2924–2932. https://doi.org/10.59141/jrssem.v5i2.991

Issue

Vol. 5 No. 2 (2025): Journal Research of Social Science, Economics, and Management

Section

Articles

License

Copyright (c) 2025 Tonny Chrishard Caerol Runtu, Anderson G. Kumenaung, Ita Pingkan Rorong

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