BRI Ship Terrace Brings Banking Services to Communities on Small Islands and Coastal Areas

PT Bank Rakyat Indonesia (Persero) Tbk, known as BRI, has introduced ‘Teras Kapal BRI’, a floating banking service solution designed to reach communities on small islands and coastal areas with limited access to traditional banking services.

BRI Director of Operations, Hakim Putratting, stated that this strategic move aligns with the CX100 programme initiated by Danantara Indonesia, an initiative focused on transforming customer experience by emphasising service quality and ease of access.

‘Through Teras Kapal BRI, the company demonstrates that customer experience is not only realised through service digitalisation, but also through the ability to provide banking access that is easy, safe, accessible, and remains relevant to the needs of people across various regions of Indonesia,’ Hakim said in a statement on Saturday, 6 June 2026.

On Thursday, 4 June 2026, Hakim visited the Teras Kapal Bahtera Seva II in South Halmahera, North Maluku. The visit was conducted alongside the Chief Marketing Officer of Danantara Indonesia, Dendi T. Danianto; Vice President of Danantara Indonesia, Danang Widiasurya; and an Expert Committee member of Danantara and Professor at the Faculty of Economics and Business, Universitas Airlangga, Fitri Ismiyanti.

During the visit, BRI also distributed assistance through the BRI Peduli TJSL programme, providing production tools to the Putri Bajo MSMEs to help increase production capacity and strengthen business activities.

In addition to Bahtera Seva II in South Halmahera, BRI also operates the Teras Kapal BRI Bahtera Seva I in the Thousand Islands, which covers six islands. There is also Bahtera Seva III in the Anambas Islands covering six islands, and Nera Seva in Labuan Bajo, which reaches ten islands.

Hakim noted that for a decade, Teras Kapal BRI has been part of BRI’s journey in bringing banking services closer to island communities. Through these floating terraces, BRI continues to strengthen direct interaction with the public while driving improvements in financial literacy and inclusion in coastal regions.

‘Since its launch in 2015, BRI has been a pioneer in banking services reaching island communities via maritime transport,’ said Hakim. ‘This service provides ease of access for transactions and financial consultations that were previously difficult for people in coastal and island regions to reach.’