BP Tapera Explores Subsidised Mortgage Cooperation with Religious Mass Organisations

The Public Housing Savings Agency (BP Tapera) is exploring the possibility of expanding access to its subsidised mortgage programme (KPR) to religious mass organisations. The plan was revealed following the signing of a cooperation agreement between BP Tapera and PT GoTo Gojek Tokopedia Tbk. to facilitate access to the KPR Sejahtera Housing Finance Liquidity Facility (FLPP) for online motorcycle taxi drivers. KPR Sejahtera FLPP is a subsidy programme aimed at helping low-income communities own their first home. “We are also in discussions with religious mass organisations, Muhammadiyah and NU (Nahdlatul Ulama). We want this programme to also be available for them,” said Deputy Commissioner for Tapera Fund Utilisation, Sid Herdi Kusuma, in Jakarta on Friday, 3 July 2026. According to Sid, BP Tapera hopes the discussions will result in commitments that can be formalised through the signing of a Cooperation Agreement. “It is hoped that the socialisation programme and banking analysis priorities will be much easier for members of these organisations.” Previously, BP Tapera and Gojek signed a cooperation agreement for access to subsidised mortgages for online motorcycle taxi drivers with a zero down payment scheme. This step is part of government assistance for informal sector workers who have faced various challenges in accessing housing finance. The government has prepared a FLPP fund quota of 350,000 housing units for 2026. From this total quota, BP Tapera has requested that 15 per cent be channelled to informal workers, which 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 communicating with JNE and other logistics companies,” he said. As of 2 July 2026, BP Tapera has realised the distribution of FLPP for 93,339 housing units with a financing value reaching IDR 11.60 trillion. Of this amount, the largest beneficiaries, approximately 65.49 per cent, came from the private sector worker group with 61,126 units. This was followed by the self-employed group with 15,890 units or 17.02 per cent, civil servants with 7,643 units or 8.19 per cent, and military/police personnel with 1,394 units, representing 1.49 per cent of total distribution.