BTN to Target Mortgage Customers Using Government's By Name By Address Data
PT Bank Tabungan Negara (Persero) Tbk. (BTN) will make use of By Name By Address (BNBA) data, which is widely known as the basis for distributing various government social assistance programmes to improve the accuracy of beneficiary targeting.
The move comes through a partnership between BTN and Statistics Indonesia (BPS) on the provision of national statistical data, including the use of BNBA data. Through this data, BTN hopes to map people who do not yet own a home, their income levels and their purchasing power, so that financing distribution—particularly in support of the 3 Million Homes Programme—can be better targeted.
BTN Chief Executive Nixon L.P. Napitupulu said the need for accurate data is one of the keys to addressing a housing backlog that still stands at around 9.9 million units. Meanwhile, new housing demand each year is estimated at 700,000 to 800,000 units.
“We have one considerable need, namely data. If we can have 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 on target,” Nixon said in an official statement on Wednesday (8/7/2026).
Through the partnership, BTN will use statistical data 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 demand for financing across various regions.
Beyond BNBA, BTN will also draw on the results of the 2026 Economic Census to identify the characteristics of business activities, new centres of economic growth and the development of business ecosystems supporting the housing sector. This information will form the basis for the company in formulating financing strategies and expanding access to home ownership.
Nixon believes the use of data will become increasingly important as the banking industry shifts towards data-driven decision-making.
“Going forward, data cannot be separated from decision-making. We need people who are able to process data into information so it can serve as the basis for determining strategies and policies,” he said.
The partnership between BTN and BPS also covers support for the conduct of censuses and surveys, human resource capacity development and the development of a BNBA-based housing needs mapping model, as a follow-up to the memorandum of understanding between the two institutions.