BTN Launches Loan Factory to Cut KPR Processing Time
REPUBLIKA.CO.ID, JAKARTA — PT Bank Tabungan Negara (Persero) Tbk has launched the Loan Factory to shorten the processing time for people’s housing credit (KPR) applications. The system is targeted to reduce the processing time from an average of six working days.
This transformation is a step by BTN to accelerate credit expansion without sacrificing quality. BTN President Director Nixon LP Napitupulu stated that the Loan Factory was launched as an engine for credit growth that still manages risk.
“If we only grow without quality, that is not acceptable. But if the quality is good without growth, that is also not enough,” said Nixon during the inauguration of the BTN Loan Factory in Bekasi, West Java, on Monday (13/4/2026).
The Loan Factory integrates the entire credit process into a single centralised system, from data input, verification, analysis, to approval and disbursement. This model eliminates processes that were previously scattered across branches and regions. BTN aims to ensure that the credit process is faster, more consistent, and measurable.
BTN records that under normal conditions, it can process around 1,000 KPR applications per day. Standardisation of processes is considered crucial to maintaining the quality of credit decisions.
“If we rely on each person’s working methods, that is dangerous. On this scale, the process must be standardised,” said Nixon.
BTN Operations Director I Nyoman Sugiri Yasa stated that this integration makes the process more efficient and easier to monitor. Document governance and underwriting are now more organised.
Meanwhile, BTN Risk Management Director Setiyo Wibowo assessed that this transformation strengthens the accuracy of credit decisions. The centralised approach is also seen as able to suppress risks.
BTN has also begun utilising technology such as decision engines and artificial intelligence to accelerate analysis. This step is part of the evolution of the credit system from decentralisation to a centralised system.
On the other hand, Bank Syariah Nasional (BSN) will adopt the Loan Factory as an initial model. This scheme will be adapted to strengthen sharia financing.
“This is an innovation at our parent company level that we will indeed use as a model. Later, some learnings from BTN will be implemented back at BSN,” said BSN Vice President Director Arga M. Nugraha.
BTN hopes this innovation will drive faster housing credit growth. However, it still adheres to prudent principles in risk management.
“Growth must increase, but quality must also remain maintained,” said Nixon.