Gojek Partners Can Access Subsidised Mortgages with Zero Down Payment
Online motorcycle taxi (ojol) drivers working as Gojek partners can now access subsidised mortgage (KPR) schemes without a down payment. This zero-percent down payment access is provided through a cooperation agreement signed between BP Tapera and PT GoTo Gojek Tokopedia Tbk.
Sid Herdi Kusuma, Deputy Commissioner for Tapera Fund Utilisation, stated that this scheme is a form of government support for informal sector workers who have an income but do not yet own a home. “Through this cooperation, Gojek Driver Partners who meet the criteria as low-income communities (MBR) can access the KPR Sejahtera FLPP with 0 per cent down payment,” he said during the signing ceremony held at the BP Tapera office, Jakarta, on Friday, 3 July 2026.
The KPR Sejahtera Housing Financing Liquidity Facility (FLPP) programme provides subsidised housing to help low-income communities secure their first home. BP Tapera will continue to conduct verification and eligibility assessments for every potential beneficiary to ensure that financial assistance is accurately targeted.
The results of these verifications will serve as the basis for determining the eligibility of candidates to participate in the housing finance process. Some of the criteria to be verified by BP Tapera include ojol drivers aged between 21 and 45 years.
Furthermore, according to Sid, BP Tapera will also measure performance levels based on trip completion and active hours per month. Beneficiaries must also meet the low-income community criteria and must not have previously owned a home.
The partnership between BP Tapera and Gojek will remain in effect until 2027. Currently, the government is not imposing a quota on drivers, meaning the facility can be accessed as long as drivers meet the necessary criteria.
Shinto Nugroho, Chief of Public Affairs, Public Policy & Government Relations at PT GoTo Gojek Tokopedia Tbk, stated that priority will be given to drivers based on their performance. “These are partners who are top performers, or what we call ‘champion partners’. These champion partners are determined not only by how long they have been partners, but most importantly by the consistency of their performance,” he said.
According to Shinto, there are currently approximately 3,000 Gojek drivers awaiting checks such as BI checking and SLIK. Additionally, 125 drivers are currently ready to sign mortgage deeds in several regions across Indonesia.