BSN-REI Synergy to Develop Housing and Create Community Welfare
Bandar Lampung — PT Bank Syariah Nasional (Bank BSN) and Realestat Indonesia (REI) have officially entered into a strategic collaboration to develop sharia banking services and strengthen the integrated and sustainable housing ecosystem in Indonesia.
The signing of the Memorandum of Understanding (MoU) took place in Bandar Lampung on Tuesday (5/5/2026), coinciding with the 54th anniversary of REI.
Bank BSN’s President Director, Alex Sofjan Noor, stated that the synergy aims to support the optimisation of sharia-based housing financing through the provision of innovative, transparent banking products in line with sharia principles.
“Bank BSN’s commitment to positioning the property sector as a key driver of national sharia economic growth aligns with REI’s role in encouraging developers to provide quality housing for the community,” said Alex during the MoU signing with REI and while attending the REI Anniversary Peak Event in Bandar Lampung on Tuesday (5/5).
The scope of the cooperation includes the development of housing financing products, education and outreach programmes for developers and the public, as well as support for integrated housing projects with sharia financial systems.
This synergy is expected to enhance sharia financial inclusion and expand public access to decent and affordable housing.
According to Alex, this strategic expansion is driven by Bank BSN’s impressive financial performance, showing positive growth trends up to the end of March 2026.
This growth momentum is evident in the sharp 22% increase in financing disbursement to Rp56.5 trillion, which has now benefited more than 1.34 million customers across the country.
As part of the BTN Group, Bank BSN targets the disbursement of 73,700 subsidised KPR units in 2026, a 34.8% increase from the previous year’s realisation.
For the commercial KPR segment, Alex explained that Bank BSN offers competitive margins starting at 2.65% fixed for three years, as well as the innovative BSN Golden Deal product that integrates home ownership with gold investment.
“Bank BSN wants to be present not only when the house is ready for sale, but from the project development process, land financing, until the house is owned by the community,” Alex revealed.
The company also provides digital infrastructure support through the Bale Syariah by BSN platform, which has recorded a transaction volume of Rp2.84 trillion from 1.2 million transactions up to April 2026.
In addition, Bank BSN offers services such as Cash Management System, payroll, Virtual Account, and QRIS to support the operations of REI member developers more efficiently.
Through this collaboration, Bank BSN and REI reaffirm their commitment to creating a housing ecosystem that upholds sustainability, justice, and community welfare.
In the future, the cooperation will be further strengthened by involving various stakeholders in the property industry to promote broader access to housing.
Meanwhile, REI General Chairman Joko Suranto emphasised that the cooperation encompasses the utilisation of sharia banking services in accordance with applicable provisions.
“We hope that through this cooperation between both parties, the credit disbursement to REI members can be more professional and better,” said Joko.