To Facilitate Traders' Financial Access, BTN Expands into Market Cooperatives Ecosystem

PT Bank Tabungan Negara (Persero) Tbk, known as BTN, is broadening its business expansion by targeting the market cooperatives ecosystem through a strategic partnership with Induk Koperasi Pedagang Pasar (INKOPPAS).

BTN’s President Director, Nixon LP Napitupulu, explained that this collaboration seeks to promote the digitalisation of cooperatives and market traders, while expanding financial inclusion in the traditional market sector.

“This partnership represents a strategic step for the company in broadening ecosystem-based financial access. Traditional markets are the backbone of the people’s economy,” Nixon stated in his remarks on Saturday, 18 April 2026.

He assured that BTN has prepared several programmes, ranging from digital banking services and the digitalisation of market fees to the distribution of financing such as Kredit Usaha Rakyat (KUR) for cooperative member traders.

BTN is also opening opportunities for other financing distributions, including productive credit for market traders. This step is expected to enhance capital access and drive the economic growth of MSMEs based in traditional markets.

“Through the collaboration with INKOPPAS, BTN not only introduces digital transaction services but also opens financing access for cooperative member traders to sustainably increase their business capacity,” Nixon said.

In agreement, INKOPPAS General Chairman Yudianto Tri revealed that digitalisation and financing access are now primary needs for market traders amid the digital economic transformation.

“Through this partnership, we hope that cooperative members and market traders gain broader access to financial services, from digital payments and transaction management to business financing,” he stated.

As background, the BTN and INKOPPAS partnership will encompass the digitalisation of market management, including the digitalisation of fees and the integration of payment systems to make transactions more transparent, efficient, and well-documented.

The digital transaction records are deemed important, as they can serve as a basis for financial institutions to provide more measured financing to traders.

Several initiatives prepared include the installation of QRIS Bale Merchant and EDC machines to facilitate payments. Additionally, Bale Agen outlets will be opened at cooperatives or market managers to expand banking services.