Research Article
Literature review: Decision to Choose Non-Subsidized Home Ownership Loans at PT. Bank Tabungan Negara for North Sumatra Region
@INPROCEEDINGS{10.4108/eai.25-11-2021.2319423, author={Ternamentha Sitepu and Arlina Nurbaity Lubis and Endang Sulistiya Rini and Beby Karina Fawzeea Sembiring}, title={Literature review: Decision to Choose Non-Subsidized Home Ownership Loans at PT. Bank Tabungan Negara for North Sumatra Region}, proceedings={Proceedings of the 1st International Conference on Social, Science, and Technology, ICSST 2021, 25 November 2021, Tangerang, Indonesia}, publisher={EAI}, proceedings_a={ICSST}, year={2022}, month={7}, keywords={marketing mix; banking innovation; digital transformation; choice decision}, doi={10.4108/eai.25-11-2021.2319423} }- Ternamentha Sitepu
Arlina Nurbaity Lubis
Endang Sulistiya Rini
Beby Karina Fawzeea Sembiring
Year: 2022
Literature review: Decision to Choose Non-Subsidized Home Ownership Loans at PT. Bank Tabungan Negara for North Sumatra Region
ICSST
EAI
DOI: 10.4108/eai.25-11-2021.2319423
Abstract
The goal of this study's literature review is to address the theoretical needs of the decision to choose non-subsidized home ownership loans at PT. Bank Tabungan Negara for the North Sumatra Region. The fundamental theory employed in this study is called Service Dominant Logic, and it focuses on a way of thinking that can lead to numerous opportunities for innovation and the design of service business models. It also emphasizes networking and working with different parties to create value for a particular class of customers. The Middle Theory that is employed is the Theory of Reasoned Action, which is concerned with a person's desire to act in a particular manner in a given circumstance. The areas of purchasing choices, marketing mix, digital transformation, and banking innovation are the focus of applied theory. As one of the State-Owned Enterprises, PT. Bank Tabungan Negara for the North Sumatra Region can use this concept to make it easier for them to operationalize services that meet local demands. PT. Bank Tabungan Negara for North Sumatra Region currently offers a wide range of product facilities, including service products, funds, and other credit products in addition to home ownership loan products. Basically, BTN concentrates on funding mortgages. PT. Bank Tabungan Negara for North Sumatra Region can undertake commercial operations in the future using the principles found in this research as a research foundation.