Up 51.15 Percent, Bank Mega Syariah Mortgage Financing Reaches IDR 344.02 Billion

KPR (Photo: Antara)

JAKARTA - Bank Mega Syariah recorded a growth in home ownership credit (KPR) Flexi Home of 51.15 percent as of August 31, 2025, which was valued at IDR 344.02 billion from IDR 227.60 billion in the same period last year.

The number of customers (NoA) also experienced growth of 255.31 percent on an annual basis.

Consumer Financing Business Division Head of Bank Mega Syariah Raksa Jatnika Budi said that Flexi Home's financing contributed 65 percent of the total outstanding consumer financing which was recorded at more than Rp527 billion as of August 2025.

Overall, consumer financing grew 30.9 percent compared to August 2024.

The bank believes this growth shows the high public confidence in housing financing services.

This growth, he said, was driven by a flexible product development strategy with competitive margin offers and a long tenor of up to 20 years.

The bank is also optimizing process digitization, implementing a collateral-based approaches, and establishing partnerships with more than 190 CT Corp developers and ecosystems to expand market reach.

According to Raksa, Bank Mega Syariah is also actively taking advantage of the Housing Financing Liquidity Facility (FLPP) program to target low-income segments of people, through Financing Flexi Sejahtera.

Until August 2025, the outstanding financing of Flexi Sejahtera was recorded at more than IDR 50 billion, growing 18.6 percent compared to August 2024, which was around IDR 29 billion.

Raksa added that his party saw that the community's need for sharia-based housing financing was still very large in line with the housing backlog in Indonesia, which reached 15 million units.

"Through Flexi Home and Flexi Sejahtera products, we hope that customers can more easily realize their dream home ownership," he quoted Antara as saying.

Bank is optimistic that it will be able to record positive financing growth by the end of 2025, with a target of growth in housing financing of 20 percent by 2025 compared to 2024.