BTN and PPATK Renovate Uninhabitable Homes in Lebak

Renovating uninhabitable houses (RTLH) is one solution for reaching people who cannot yet afford to obtain a home through financing or repair their homes independently.

PT Bank Tabungan Negara (BTN), together with the Financial Transaction Reports and Analysis Centre (PPATK), has renovated 20 uninhabitable houses for underprivileged families in four regions of Indonesia, including Lebak Regency in Banten Province.

BTN President Director Nixon L.P. Napitupulu said in Tangerang on Thursday that the collaboration was being rolled out across various regions to reach more Indonesians who still live in inadequate housing.

The 20 houses are spread across Lebak, Cianjur, Sukabumi and Purworejo, with five units in each area. The programme continues the BTN-PPATK collaboration from 2025, which repaired 15 homes, bringing the total number of beneficiary households to 35 over two years.

He explained that renovating uninhabitable houses is one solution for reaching people who cannot yet afford to obtain a home through financing or repair their homes independently. Around one in three Indonesian families still lives in a house that does not meet all the criteria for adequate housing.

According to Nixon, resolving the problem of uninhabitable housing requires the involvement of many parties. BTN and PPATK are committed to making the home 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 homes could be renovated every year. We are not just waiting for the government; corporations can also move together and the impact is felt directly by the community,” he said.

The programme is also in line with BTN’s transformation towards Beyond Mortgage, namely building homes and building lives, as well as the spirit of state-owned enterprise transformation under Danantara Indonesia to create sustainable value and impact for society. “BTN has disbursed financing for around 6.1 million homes across Indonesia,” he said.

“In the context of Indonesia’s 24th national anti-money laundering movement, we are working with BTN to build and renovate homes to help our fellow citizens who need the basic necessity of shelter. Going forward, activities like this will continue to be carried out together with BTN,” said Ivan.

Ivan also explained that the spirit of “Clean Homes, Clean Finances” will be expanded through family financial literacy programmes. Families are the smallest unit of society and serve as the foundation for shaping healthy and sustainable financial behaviour.

Meanwhile, the programme’s impact has been felt by one beneficiary, Sanatra, who previously lived with his family in a house that was damaged and leaking.

Lebak Deputy Regent Amir Hamzah appreciated the steps taken by BTN and PPATK, noting that the poverty rate in Lebak Regency is still around 8.03 percent, with about 5,000 residents in the extreme poverty category, which also affects the condition of people’s housing.

“We are very grateful to PPATK for paying attention to our region and also to BTN. Lebak Regency still faces poverty problems. Therefore, we hope activities like this can continue to be present in Lebak Regency,” said Amir.

For information, beneficiaries of the RTLH programme are determined through coordination with the Housing and Settlement Agency and the local regional government, accompanied by a verification process of house conditions and beneficiary eligibility.

The programme also supports the government’s 3 Million Homes Programme and reinforces BTN’s spirit of not only building houses but also building better lives for the community.