Indonesia Conference Directory

The purpose of this study was to comprehend the meaning of factors causing problematic KPR and alternative solutions for the development of national banking performance. The study used sociolegal (socio juridical) method. The results showed that the cause of problem loans was due to default of debtors for several reasons. The application of the principle of prudence and the principle of getting to know customers is one of the key factors in the success of credit management and improving the performance of Home Loans in national banks.