Analisis Implementasi Pembiayaan KPR BTN Subsidi pada Nasabah Berpenghasilan Rendah di BTN KCS Padang

The implementation of KPR BTN Subsidi financing for low-income customers has become an important issue in Islamic banking because it is related to access to home ownership, contract compliance, verification effectiveness, and financing risk management. Although the topic of subsidized mortgages has been examined in several studies, research specifically addressing the implementation of sharia-based financing at BTN Sharia Branch Office (KCS) Padang, particularly regarding financing procedures, t