BTN Partners with BPS to Strengthen Data-Driven Expansion of Home Ownership Access
PT Bank Tabungan Negara Tbk (BTN) is strengthening its support for the 3 Million Homes Programme by partnering with Statistics Indonesia (BPS RI) on the use of national statistical data, including By Name By Address (BNBA) data.
BTN President Director Nixon L P Napitupulu affirmed that the collaboration is intended to improve the accuracy of housing financing targets, broaden public access to home ownership, and support the formulation of national housing policy that is increasingly data-driven.
According to him, the housing sector is one of the engines of the national economy, as it has multiplier effects across more than 185 economic subsectors. At the same time, Indonesia still faces a home ownership backlog of around 9.9 million units, while the need for new homes reaches approximately 700,000 to 800,000 units each year. These conditions make accurately targeted financing one of the keys to the success of the 3 Million Homes Programme.
“We have one considerable need, namely data. If we can obtain better data on who has yet to own a home, what their income levels are, and what their demographics look like, that is what we need. With better data, financing will be increasingly well targeted,” said Nixon, quoted from his statement on Wednesday, 8 July 2026.
The collaboration was formalised through the signing of a Memorandum of Understanding on the provision of statistical data and/or information and the use of banking services, signed by BTN President Director Nixon L.P. Napitupulu together with the Head of Statistics Indonesia, Amalia Adininggar Widyasanti, in Jakarta on Wednesday (8/7). The memorandum is valid for five years and serves as an umbrella for cooperation between the two institutions in building a data-driven housing financing ecosystem.
Through this partnership, BTN will utilise statistical and BNBA data in accordance with prevailing laws and regulations to obtain a more comprehensive picture of public housing needs based on location, socio-economic characteristics, purchasing power, and potential financing demand across various regions.
The use of such data will be further reinforced by the results of the 2026 Economic Census (SE2026), which can identify the characteristics of business activities across regions, new centres of economic growth, and the development of business ecosystems supporting the housing sector. This information will serve as an important reference for BTN in strengthening its financing strategy, developing more relevant services, and expanding financing access in line with the economic characteristics of each region.