Paying BTN Mortgages with Waste to be Expanded to 15 Cities in Indonesia
PT Bank Tabungan Negara (Persero) Tbk (BTN) is strengthening its commitment to reducing household-based emissions through a collaboration with the Muria Berseri Kudus Waste Bank. This initiative is an expansion of the ‘Pay Your Instalments with Your Waste’ programme, which encourages household waste to hold economic value while supporting environmental sustainability.
BTN Director of Risk Management, Setiyo Wibowo, stated that the bank plays a strategic role in encouraging behavioural changes starting from the home. “BTN believes that emission reduction can begin at home. Through collaboration with local waste bank communities, we want the public to experience that depositing waste at BTN becomes more profitable while simultaneously helping to protect the environment,” Setiyo said during a visit to the Muria Berseri Kudus Waste Bank.
Setiyo explained that managing household waste is crucial. According to data from the Ministry of Environment and Forestry (KLHK), households contribute approximately 46.3% to national waste production, equivalent to 34.1 million tonnes per year. However, only 31.3%, or about 10.7 million tonnes, of this waste is successfully managed.
Through this partnership, Setiyo added, the public can participate in waste management by depositing inorganic waste such as plastic, cardboard, aluminium, iron, and glass. This waste will be converted into economic value that is deposited directly into BTN accounts.
As of March 2026, the ‘Pay Your Instalments with Your Waste’ programme has collected over 1,261 kilograms of waste from 21 housing clusters and is set to expand across 8 provinces and 15 cities in Indonesia.
BTN Director of Commercial Banking, Hermita, added that the programme also strengthens BTN’s connection with the community through services integrated into daily activities. “BTN wants to be present not only when people purchase homes, but also to support new habits that provide economic benefits while maintaining environmental sustainability,” Hermates said.