BTN Enters Traditional Market Ecosystem, Traders Can Access Finance More Easily

JAKARTA - PT Bank Tabungan Negara (Persero) Tbk or BTN has partnered with the Parent Cooperative of Market Traders (INKOPPAS) to expand its business into the market cooperative ecosystem. BTN President Director Nixon LP Napitupulu stated that this collaboration aims to strengthen financial inclusion while facilitating easier access to financing for market traders. “This partnership is a strategic step for the company in expanding ecosystem-based financial access. Traditional markets are the backbone of the people’s economy,” he said in a written statement on Thursday (16/4/2026). In addition, BTN is opening opportunities for other financing distribution, including productive credit for market traders. The programme is expected to improve capital access for UMKM business actors in the traditional market environment. “Through collaboration with INKOPPAS, BTN not only provides digital transaction services but also opens financing access for cooperative member traders so that their business capacity can increase sustainably,” he added. Several initiatives are also being prepared, including the implementation of QRIS Bale Merchant, the use of EDC machines, and the opening of Bale Agen at cooperatives and market managers to expand banking services. Furthermore, BTN is preparing a community application service for cooperative members and market traders to support business activities while strengthening the community-based financial ecosystem. “Through this partnership, we hope that cooperative members and market traders will gain broader access to financial services, from digital payments and transaction management to business financing,” said Yudianto. Through this cooperation, BTN and INKOPPAS will continue to explore various development opportunities, both in terms of digitalisation and the provision of more comprehensive financial services. This synergy is expected to accelerate the transformation of traditional markets while expanding financing access for millions of traders in Indonesia.