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Banking is one of the sources of funds including in the form of credit for individuals or business entities to meet their consumption needs or to increase their production. The need for productive needs is for example to increase and expand business activities. Consumptive interests, for example, to buy a house so that people can use bank funding known as House Ownership Credit (KPR). One of the state-owned banks that has widely provided funding for people to buy houses of various types and prices is the Bank Tabungan Negara Indonesia (BTN). Fund disbursement made by banks in the form of credit or other forms in order to improve the standard of living of the people has a very important role in the economy. Credit is the largest portion of assets owned by the bank concerned. In lending, banks must be prepared to face credit risk that causes the credit to become a problem. Credit risk is a risk due to the failure or inability of the customer to return the amount of the loan obtained from the bank and its interest in accordance with a predetermined period of time. Non-performing loans are situations where the approval of the return on credit is at risk of failure.

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Fauzi, Achmad
Author Biodata Dr. Achmad. Fauzi, S.E, M., M, born on October 20, 1980, in Jakarta, Indonesia. Completed a 2004 Bachelor Program, at UPN Veteran Jakarta, Indonesia, Completed Post Graduate Masters in Management in 2011, at Suryadarma University, Indonesia and Obtained a Doctoral Degree in 2016 Economics at Jakarta State University, Indonesia.

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