PT Bank Tabungan Negara (Persero) Tbk, or BTN, is strengthening its\ncredit growth engine through the construction of a Loan Factory,\ndesigned to accelerate processes, increase capacity, and maintain\nportfolio quality in a more controlled manner.<\/p>\n
This initiative is part of BTN\u2019s ongoing business process\ntransformation for credit, shifting from a previously decentralised\nbranch-based model to an integrated, process-based one, enabling faster,\nmore consistent, and measurable credit disbursement across its entire\nnetwork.<\/p>\n
BTN President Director Nixon LP Napitupulu stated that the Loan\nFactory construction is part of BTN\u2019s transformation roadmap that began\nin 2019, in line with the need to manage large-scale credit volumes with\nuniform standards.<\/p>\n
\u201cBTN handles around 1,000 mortgage applications per day. Relying on\nindividual working methods is dangerous. In this scale, processes must\nbe standardised and run with the same system,\u201d said Nixon.<\/p>\n
He added that standardisation is key for BTN to ensure consistent\nservice and product quality across Indonesia. \u201cTo become a large\ncompany, processes must be the same. Requirements are the same, working\nmethods are the same, and results must also be consistent,\u201d he\nemphasised.<\/p>\n
Previously, BTN\u2019s consumer credit processes were decentralised at\nbranches, before being upgraded through the establishment of Regional\nLoan Processing Centres (RLPCs) since 2019. This transformation has\nproven to improve process quality and standardisation, while reducing\nvarious potential deviations in the credit process.<\/p>\n
Through the Loan Factory, BTN integrates all these processes into a\nsingle centralised, process-based model, from data input, verification,\nanalysis, to approval and disbursement of credit. This approach allows\nfor functional specialisation at each stage, making the process more\nefficient, accurate, and consistent.<\/p>\n
Currently, BTN\u2019s Loan Factory also implements a decision engine in\nthe credit scoring process to accelerate analysis and credit approval,\nwhile strengthening process standardisation, decision quality, and more\nconsistent governance.<\/p>\n
Along with this implementation, BTN targets to shorten credit\nprocessing time from around six working days to a shorter period, in\nline with process strengthening and integration through the Loan\nFactory.<\/p>\n
According to Nixon, the Loan Factory plays a strategic role as a\ncredit growth engine, as well as a guardian of risk quality, and a\ndriver of operational efficiency improvement through process\nstandardisation. \u201cGrowth without quality is not acceptable. But quality\nwithout growth is also not enough,\u201d he said.<\/p>\n
From an operational perspective, BTN Operations Director I Nyoman\nSugiri Yasa stated that the Loan Factory addresses various process\ninefficiencies that previously occurred due to the dispersed working\nmodel. \u201cWith the Loan Factory, processes that were previously scattered\nand overlapping between work units are now more structured and\nintegrated. This makes the process more efficient, easier to monitor,\nand improves document governance and underwriting quality,\u201d said\nNyoman.<\/p>\n
He added that this process integration also strengthens the\nend-to-end credit service journey, from initiation to disbursement and\ndocument management.<\/p>\n
BTN Risk Management Director Setiyo Wibowo explained that this\ntransformation is part of BTN\u2019s long journey of credit process\nimprovement that continues to evolve following technological\ndevelopments.<\/p>\n
\u201cFrom previously decentralised processes, then regionalisation, to\nnow becoming centralised and process-based, we ensure that process\nquality continues to improve with more consistent standards,\u201d said\nSetiyo.<\/p>\n
He added that the Loan Factory enables BTN to achieve economies of\nscale while strengthening process quality through a more structured and\ntechnology-based approach. \u201cWith this approach, we encourage more\naccurate, effective, and fast processes, while strengthening controls to\nminimise risks,\u201d he explained.<\/p>\n
In addition, BTN continues to strengthen its digital capabilities\nthrough the utilisation of technology, including the development of\nautomation and artificial intelligence (AI) in credit data input,\nverification, and analysis processes.<\/p>\n
The Loan Factory transformation becomes an important part in\nstrengthening BTN\u2019s operational foundation to support increased national\ncredit disbursement capacity, in line with the growing need for housing\nfinancing.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/btn-builds-loan-factory-to-prepare-credit-growth-engine-1776073852", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }