{
    "success": true,
    "data": {
        "id": 1783168,
        "msgid": "paying-btn-mortgages-with-waste-to-be-expanded-to-15-cities-in-indonesia-1780836331",
        "date": "2026-06-03 23:42:45",
        "title": "Paying BTN Mortgages with Waste to be Expanded to 15 Cities in Indonesia",
        "author": "",
        "source": "VIVA",
        "tags": "bisnis",
        "topic": "Banking",
        "summary": "PT Bank Tabungan Negara (Persero) Tbk is expanding its innovative programme that allows customers to pay mortgage instalments using household waste. The initiative aims to reduce carbon emissions and provide economic value to residents by converting inorganic waste into bank deposits.",
        "content": "<p>PT Bank Tabungan Negara (Persero) Tbk (BTN) is strengthening its\ncommitment to reducing household-based emissions through a collaboration\nwith the Muria Berseri Kudus Waste Bank. This initiative is an expansion\nof the \u2018Pay Your Instalments with Your Waste\u2019 programme, which\nencourages household waste to hold economic value while supporting\nenvironmental sustainability.<\/p>\n<p>BTN Director of Risk Management, Setiyo Wibowo, stated that the bank\nplays a strategic role in encouraging behavioural changes starting from\nthe home. \u201cBTN believes that emission reduction can begin at home.\nThrough collaboration with local waste bank communities, we want the\npublic to experience that depositing waste at BTN becomes more\nprofitable while simultaneously helping to protect the environment,\u201d\nSetiyo said during a visit to the Muria Berseri Kudus Waste Bank.<\/p>\n<p>Setiyo explained that managing household waste is crucial. According\nto data from the Ministry of Environment and Forestry (KLHK), households\ncontribute approximately 46.3% to national waste production, equivalent\nto 34.1 million tonnes per year. However, only 31.3%, or about 10.7\nmillion tonnes, of this waste is successfully managed.<\/p>\n<p>Through this partnership, Setiyo added, the public can participate in\nwaste management by depositing inorganic waste such as plastic,\ncardboard, aluminium, iron, and glass. This waste will be converted into\neconomic value that is deposited directly into BTN accounts.<\/p>\n<p>As of March 2026, the \u2018Pay Your Instalments with Your Waste\u2019\nprogramme has collected over 1,261 kilograms of waste from 21 housing\nclusters and is set to expand across 8 provinces and 15 cities in\nIndonesia.<\/p>\n<p>BTN Director of Commercial Banking, Hermita, added that the programme\nalso strengthens BTN\u2019s connection with the community through services\nintegrated into daily activities. \u201cBTN wants to be present not only when\npeople purchase homes, but also to support new habits that provide\neconomic benefits while maintaining environmental sustainability,\u201d\nHermates said.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/paying-btn-mortgages-with-waste-to-be-expanded-to-15-cities-in-indonesia-1780836331",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}