BTN and PPATK Renovate 20 Uninhabitable Homes for Underprivileged Families
PT Bank Tabungan Negara (Persero) Tbk (BTN), together with the Financial Transaction Reports and Analysis Centre (PPATK), has renovated 20 uninhabitable houses (RTLH) for low-income families in four regions of Indonesia.
BTN President Director Nixon L.P. Napitupulu explained in an official statement received in Jakarta on Thursday that the 20 houses are spread across Lebak, Cianjur, Sukabumi and Purworejo, with five units in each area.
The programme continues the BTN-PPATK collaboration in 2025, which repaired 15 houses, bringing the total number of beneficiary households to 35 over two years.
“Renovating uninhabitable houses is one solution to reach people who do not yet have the ability to obtain a home through financing or to repair their homes independently. Moreover, around one in three Indonesian families still live in homes that do not meet all the criteria for decent housing,” Nixon said while inspecting the results of house renovations in Warunggunung Village, Lebak Regency, Banten.
He further explained that not all segments of society can obtain a home through mortgage lending (KPR), especially people in deciles 1, 2, 3 and part of decile 4 who still have limited ability to pay instalments. Therefore, he said, one solution undertaken by BTN is house renovation.
According to Nixon, resolving the problem of uninhabitable houses requires the involvement of many parties. BTN and PPATK are committed to making the house renovation programme an annual activity targeting areas still facing poverty and extreme poverty.
“What we are doing today is still a small part. But if all corporations and institutions have the same movement, thousands of houses can be repaired every year. We are not just waiting for the government; corporations can also move together and the impact is directly felt by the community,” he said.
The programme is also stated to be in line with BTN’s transformation towards “Beyond Mortgage – Building Homes, Building Lives,” as well as the spirit of transformation of state-owned enterprises (BUMN) under Danantara Indonesia to create sustainable value and impact for society. BTN itself has disbursed financing for approximately 6.1 million homes across Indonesia.
On the same occasion, PPATK Head Ivan Yustiavandana said the house renovation programme is part of Indonesia’s National Anti-Money Laundering Movement, which has entered its 24th year and has become a joint movement of various stakeholders.
“In the framework of the 24th Indonesian National Anti-Money Laundering Movement, we together with all stakeholders, on this occasion with BTN, are building and repairing houses to help our brothers and sisters who need the basic need of shelter. Going forward, activities like this will continue to be carried out together with BTN,” Ivan said.
The spirit of “Clean Homes, Clean Finances” will be expanded through family financial literacy. This is because the family is the smallest group in society and serves as the foundation for shaping healthy and sustainable financial behaviour.
The impact of the programme was felt by one beneficiary, Sanatra, who previously lived with his family in a house that was damaged and leaking.
“Before, the house was about to collapse and leaked. We had no money to repair it, because the money we had was only for food and the children’s needs. Alhamdulillah, now it is good. I, my wife and my children are very happy. Thank you very much to BTN,” he said.
For information, beneficiaries of the RTLH programme are determined through coordination with the Housing and Settlement Area Agency and the local regional government, accompanied by a verification process of the condition of the house and the eligibility of the recipient.