BP Tapera Explores Subsidised Mortgage Cooperation with Religious Mass Organisations
The Public Housing Savings Management Agency, or BP Tapera, is exploring the possibility of expanding access to subsidised mortgage (KPR) programmes to religious mass organisations (ormas).
This plan was revealed following the signing of a cooperation agreement between BP Tapera and PT GoTo Gojek Tokopedia Tbk to facilitate access to the FLPP (Housing Finance Liquidity Facility) prosperity mortgage for online taxi drivers (ojol).
The FLPP Prosperity Mortgage is a subsidised programme aimed at helping Low-Income Communities (MBR) to acquire their first home. “We are also conducting discussions with religious mass organisations, specifically Muhammadiyah and NU (Nahdlatul Ulama). We want this programme to be available to them,” said the Deputy Commissioner for Tapera Fund Utilisation, Sid Herdi Kusuma, in Jakarta on Friday, 3 July 2026.
According to Sid, BP Tapera hopes these discussions will result in commitments that can be formalised through the signing of Cooperation Agreements. “It is expected that socialisation programmes, as well as banking analysis and priorities, will become much easier for the members of these organisations.”
Previously, BP Tapera and Gojek signed a cooperation agreement to provide access to subsidised mortgages for online taxi drivers under a zero down-payment scheme. This step is part of the government’s assistance for informal sector workers who have long faced various challenges in accessing housing finance.
The government has prepared a quota of FLPP funds for 350,000 housing units in 2026. From this total quota, BP Tapera has requested that 15 per cent be distributed to informal workers, a move that has been agreed upon by the distributing banks.
For the informal sector, BP Tapera is also targeting logistics workers in addition to Gojek drivers. “We are currently in communication with JNE and other companies in the logistics sector,” he added.
As of 2 July 2026, BP Tapera has realised the distribution of FLPP for 93,339 housing units, with a financing value reaching Rp 11.60 trillion. Of this total, the largest group of beneficiaries, approximately 65.49 per cent, consists of 61,126 units from the private sector. This is followed by self-employed individuals with 15,890 units (17.02 per cent), Civil Servants (PNS) with 7,643 units (8.19 per cent), and the TNI/Polri (Military/Police) with 1,394 units, representing 1.49 per cent of the total distribution.