BSI and BPJS Ketenagakerjaan Synergy Opens Access to 30-Year Sharia Mortgages

PT Bank Syariah Indonesia (Persero) Tbk (BSI) has collaborated with BPJS Ketenagakerjaan to provide inclusive, competitive, and blessed housing financing access for millions of Wage Earners (PU) in Indonesia. Through this synergy, active BPJS Ketenagakerjaan participants can enjoy the BSI Griya financing facility, which offers various advantages. These include the certainty of fixed instalments until the end of the financing period, as well as flexible tenors of up to 30 years to maintain customers’ monthly financial stability.

BSI President Director Anggoro Eko Cahyo affirmed that this collaboration is part of BSI’s tangible commitment to supporting the government’s strategic programme to address the national housing backlog and spur economic growth. “The housing sector has a very large multiplier effect on various derivative industries in Indonesia. Through this strategic partnership with BPJS Ketenagakerjaan, BSI is present to provide real solutions for workers to own decent housing with fair sharia principles,” said Anggoro. According to him, the BSI Griya service innovation was deliberately designed to answer the needs of the younger generation, who currently dominate BSI’s home financing portfolio. With sharia principles, the financing instalments remain fixed, making family financial planning for workers more measurable.

BSI’s commitment to channelling housing finance is evidenced by its solid business performance. As of May 2026, the BSI Griya financing portfolio had penetrated Rp60.80 trillion and continues to show a consistently positive growth trend. Overall, BSI’s financial fundamentals as of May 2026 are in prime condition. The company successfully recorded a net profit of Rp3.39 trillion, growing significantly by 16.73 percent year-on-year (YoY). This acceleration was supported by financing distribution reaching Rp335 trillion, surging 14.60 percent YoY, with the consumer segment as the main growth driver. Amid massive expansion, BSI consistently maintains healthy asset quality. This is reflected in the Gross Non-Performing Financing (NPF) ratio, which improved to 1.80 percent as of May 2026, compared to 1.88 percent in the same period last year.

Meanwhile, BPJS Ketenagakerjaan President Director Saiful Hidayat assessed that BSI’s presence as a distributor bank for Additional Service Benefits (MLT) will further expand access and add alternative housing financing with a sharia scheme that participants can utilise. For BPJS Ketenagakerjaan participants, this cooperation is expected to facilitate access to owning a home as a long-term asset. With basic needs met, workers are expected to work more calmly and productively to build a better family future. “We will continue to encourage this collaboration to develop further, not only for housing Additional Service Benefits (MLT), but also to empower the beneficiaries or heirs of BPJS Ketenagakerjaan participants,” concluded Saiful. Through strengthening cross-institutional synergy and robust financial performance, BSI is optimistic it can continue to expand sharia financial inclusion by acting as a main pillar of social and economic welfare for the Indonesian people.