BTN Launches Centralised Loan Factory System
PT Bank Tabungan Negara (Persero) Tbk (BTN) is accelerating the transformation of its credit services by launching the Loan Factory to speed up the mortgage application process. The system is targeted to reduce processing time from an average of around six working days to a shorter period.
BTN President Director Nixon LP Napitupulu stated that this system is part of the company’s efforts to build a credit growth engine that maintains risk quality. “Growth without quality is not acceptable. But quality without growth is also insufficient,” said Nixon in his speech at the inauguration of the BTN Loan Factory in Bekasi, West Java, on Monday (13/4/2026).
He explained that the Loan Factory is designed to integrate all credit processes into a single centralised system, from data input, verification, analysis, to approval and disbursement. With this model, BTN aims to eliminate processes that were previously scattered across branches and regions.
BTN records that under normal conditions, the company processes around 1,000 mortgage applications per day. Therefore, standardising processes is considered important to make credit decisions more consistent and measurable. “If it relies on each person’s working method, it’s dangerous. On this scale, the process must be standardised,” he said.
From an operational perspective, BTN Operations Director I Nyoman Sugiri Yasa stated that this integration makes the process more efficient and easier to monitor. The workflow, which was previously scattered, is now centralised, making document governance and underwriting neater.
Meanwhile, BTN Risk Management Director Setiyo Wibowo views this transformation as a continuation of the evolution of BTN’s credit system, from decentralisation, then regionalisation, to now becoming centralised and process-based.
According to him, the new approach strengthens the accuracy of credit decisions while suppressing risks. BTN is also beginning to develop the use of technologies such as decision engines and artificial intelligence to accelerate the analysis process.
As a BTN subsidiary, Bank Syariah Nasional (BSN) stated that it will use the Loan Factory as a model or pilot project in strengthening sharia financing business processes.
“This is an innovation at our parent company level that we will indeed use as a model. Later, some learnings from BTN will be re-implemented at BSN,” said BSN Vice President Director Arga M. Nugraha.
He added that the implementation at BSN will be adjusted to the ongoing transformation phase internally, including improvements in financing processes and strengthening synergy within the group.
With the Loan Factory, BTN hopes that housing credit expansion can be faster, yet still within the corridor of prudence. “Growth must increase, but quality must also be maintained,” said Nixon.