BTN Builds Loan Factory to Prepare Faster and More Controlled Credit Growth Engine

PT Bank Tabungan Negara (Persero) Tbk, known as BTN, is strengthening its credit growth engine through the construction of a Loan Factory, designed to speed up processes, increase capacity, and maintain portfolio quality in a more controlled way. BTN’s President Director, Nixon LP Napitupulu, stated that this initiative is part of the bank’s ongoing credit business process transformation, moving from a previously scattered model across branches to an integrated and process-based one. This allows for faster, more consistent, and scalable credit disbursement throughout the network. Nixon explained that building the Loan Factory is a component of BTN’s transformation roadmap that began in 2019, in line with the need to manage large-scale credit volumes with uniform standards. “BTN handles around 1,000 KPR applications per day. Relying on individual working methods is dangerous. In this scale, processes must be standardised and run with the same system,” Nixon said in his statement on Monday, 13 April 2026. He added that standardisation is key for BTN to ensure consistent service and product quality across Indonesia. “To become a large company, processes must be the same. Requirements are the same, working methods are the same, and results must also be consistent,” he stated. Previously, BTN’s consumer credit processes were decentralised at branches, before being upgraded through the establishment of Regional Loan Processing Centres (RLPC) since 2019. This transformation has proven to improve process quality and standardisation, while reducing various potential deviations in credit processes. Through the Loan Factory, BTN integrates all these processes into a centralised, process-based model, from data input, verification, analysis, to credit approval and disbursement. This approach enables specialisation of functions at each stage, making the process more efficient, accurate, and consistent. Currently, BTN’s Loan Factory also implements a decision engine in the credit scoring process to accelerate analysis and credit approval, while strengthening process standardisation, decision quality, and more consistent governance. In line with this implementation, BTN targets to speed up credit processing time from around six working days to a shorter duration, aligned with the strengthening of processes and integration through the Loan Factory.