PENGARUH KINERJA KEUANGAN TERHADAP PROFITABILITAS BANK BTN SEBELUM DAN SESUDAH SEKURITISASI ASET
DOI:
https://doi.org/10.32493/skt.v1i4.1381Abstract
ABSTRACT
Rumah layak huni dan terjangkau bagi PNS (Pegawai Negeri Sipil/ASN) dan masyarakat berpenghasilan rendah (MBR) merupakan permasalahan yang hingga kini belum dapat diatasi secara tuntas. Meskipun berbagai program telah digulirkan pemerintah untuk menyelesaikannya namun jumlah backlog perumahan semakin bertambah (kebutuhan saat ini mencapai 13,5 juta unit , sedangkan pembangunan rumah baru hanya sekitar 300-400 ribu unit per tahun)(Sumber Bappenas & BPS Tahun 2015). Adapun kendala pembiayaan pemerintah melalui APBN sangat terbatas, alokasi anggaran perumahan FLPP (Fasilitas Likuiditas Pembiayaan Perumahan) yaitu Rp 9 T di tahun 2015 atau hanya sekitar 0.375% dari APBN 2400 T (atau kurang dari ½ %). Untuk itu , Bank BTN ditunjuk sebagai Bank Penyalur program kredit perumahan rakyat (KPR-Bersubsidi FLPP) oleh Pemerintah , hasil kinerja keuangan Bank BTN sebelum dan sesudah sekuritisasi asset akan dikaji lebih lanjut, sekaligus dapat memberikan masukan kepada seluruh stakeholders agar solusi backlog dan pembiayaan perumahan dapat memberi kontribusi mengatasi permasalahan perumahan.
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Jurnal SEKURITAS (Saham, Ekonomi, Keuangan dan Investasi) is a national peer reviewed and open access journal that publishes significant and important research from all area of agroindustry.
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