JAKARTA - PT Bank Tabungan Negara (Persero) Tbk (BTN) continues to strengthen its role in the national housing ecosystem through acceleration of the distribution of Housing Program Loans (KPP) from the supply (supply) and demand (demand) sides. This step is part of the BTN Beyond Mortgage transformation strategy to present an integrated housing financing ecosystem from upstream to downstream.
Until May 18, 2026, BTN recorded the national KPP disbursement (booked) realization of around IDR 2.97 trillion, consisting of IDR 1.98 trillion in KPP Supply and IDR 987 billion in KPP Demand. In terms of annual targets, the realization has reached around 33 percent of the 2026 KPP Supply quota of IDR 6 trillion and 25 percent of the 2026 KPP Demand quota of IDR 4 trillion.
BTN President Director Nixon L.P. Napitupulu said the balance between the supply and demand sides is an important factor in maintaining the sustainability of the national housing ecosystem.
"We at BTN realize that providing decent housing for the community cannot be solved from one side. The KPP Supply is present to strengthen the capacity of developers in building housing projects, while the KPP Demand ensures that the public has access to affordable financing to own a house to support the business. By synergizing these two aspects, BTN wants to ensure that the national housing ecosystem can grow healthier, sustainable, and provide a wide economic impact," said Nixon in a written statement, quoted Thursday, May 21.
As part of the acceleration of the distribution of KPP, BTN is also actively holding mass KPP contracts in various regions. On May 3, 2026 in Surabaya, BTN facilitated the closing process for 245 KPP debtors with a total financing value of IDR 305.26 billion. Of this amount, the supply side consists of 66 developers worth IDR 171 billion, six contractors of IDR 30 billion, and 10 building stores of IDR 50 billion. Meanwhile, from the demand side, a total of 163 debtors were recorded with a financing value of IDR 53 billion.
Furthermore, on May 7, 2026 in Lampung, BTN again held a mass KPP deed with the realization of KPP Supply financing of IDR 162.6 billion for 100 debtors, and KPP Demand of IDR 4.6 billion. This activity is part of BTN's efforts to accelerate the absorption of financing while strengthening the connection between developers and consumers in the region.
On the national supply side, the KPP Supply of BTN recorded a disbursement of IDR 1.98 trillion with the support of 178 debtors of UMKM and regional scales. West Java region became one of the largest contributors in the distribution, followed by the Sulampua region which includes Sulawesi, Maluku, and Papua. This performance reflects BTN's commitment to supporting the acceleration of housing development more evenly in various regions.
Meanwhile, from the public demand side, BTN's Demand KPP managed to reach 781 debtors nationwide with a disbursement value of IDR 987 billion. The Jabanus region is the region with the largest distribution, showing the high demand of the community for access to affordable housing financing.
BTN President Director Nixon L.P. Napitupulu added that the integration between the KPP Supply and KPP Demand is one of BTN's important strategies to strengthen the absorption of housing financing in the field.
"The high demand for affordable housing must be balanced with the readiness of supply from developers. Therefore, BTN continues to coordinate so that projects supported through the KPP Supply can be directly connected to our KPP Demand consumer base. With this integration, the process of distributing housing financing can run more effectively and sustainably," said Nixon.
BTN also continues to strengthen the housing financing ecosystem through various digital initiatives and ecosystem development, including through the Bale Property platform and strengthening the capabilities of developer partners through the BTN Housingpreneur program. Through these various steps, BTN is optimistic that it can maintain the growth of KPP distribution until the end of the year while supporting the national housing financing target and expanding financial inclusion for the Indonesian people.
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