BTN mewujudkan impian sekitar 5,6 juta masyarakat Indonesia dan keluarganya memiliki hunian yang layak. (FOTO: BTN)
BTN mewujudkan impian sekitar 5,6 juta masyarakat Indonesia dan keluarganya memiliki hunian yang layak. (FOTO: BTN)
SIARDAILY, Jakarta – PT Bank Tabungan Negara (Persero) Tbk (BTN) terus menunjukkan komitmennya yang kuat dalam mendukung pertumbuhan ekonomi negara dengan menjadi bank penyalur kredit pemilikan rumah (KPR) terbesar di Indonesia.
Selama 47 tahun menyalurkan KPR, BTN telah mewujudkan impian sekitar 5,6 juta masyarakat Indonesia beserta keluarganya memiliki hunian yang layak dengan nilai pembiayaan sekitar Rp470 triliun. BTN pada 10 Desember 2023 kemarin, baru saja merayakan Hari Ulang Tahun (HUT) KPR yang ke-47 tahun .
Direktur Utama BTN, Nixon L.P. Napitupulu mengatakan, perjalanan panjang BTN dalam membantu pemenuhan kebutuhan rumah di Indonesia menjadi sumber kekuatan untuk terus mendukung sektor perumahan dan menciptakan nilai tambah bagi perekonomian.
“Bank BTN memiliki momentum yang sangat baik untuk terus bertumbuh pesat dan berkelanjutan, setelah berkiprah selama 47 tahun dalam membantu masyarakat Indonesia menggapai mimpi mereka untuk memiliki rumah. Tentunya, banyak pelajaran yang kami petik dalam membangun ekosistem perumahan selama ini. Hal ini, menjadi bekal untuk perbaikan dalam mencapai aspirasi menjadi bank penyalur KPR terbaik di Asia Tenggara,” ujar Nixon di Jakarta, Minggu (10/12).
Baca Juga: BTN Optimis Insentif Sektor Properti Dongkrak KPR Double Digit
Nixon mengaku BTN sangat mengapresiasi peran pemerintah dan seluruh stakeholder, serta masyarakat yang membantu perseroan mengemban amanah untuk dapat memenuhi terwujudnya impian masyarakat memiliki rumah selama 47 tahun. Momentum HUT KPR ke-47 tahun ini akan menjadi penyemangat BTN untuk berkontribusi lebih besar lagi kepada negara dalam mensejahterakan rakyat melalui pembiayaan perumahan.
“Sinergi Bank BTN dengan seluruh stakeholder, termasuk Kementerian BUMN, Kementerian PUPR, Kementerian Keuangan, dan DPR RI telah berhasil mewujudkan mimpi jutaan rakyat Indonesia beserta keluarganya memiliki rumah impian yang layak. Kami akan terus mendorong sebanyak mungkin rakyat dengan mudah memiliki rumah melalui KPR,” ujarnya.
Menurut Nixon, BTN sebagai kepanjangantangan pemerintah harus ikut aktif berperan dalam mengimplementasikan amanah Undang-undang Dasar 1945 pasal 28 H ayat 1 yang berbunyi “Setiap orang berhak hidup sejahtera lahir dan batin, bertempat tinggal, dan mendapatkan lingkungan hidup yang baik dan sehat serta berhak memperoleh pelayanan kesehatan”.
“Dalam pemenuhan rumah yang layak huni bagi MBR (masyarakat berpenghasilan rendah), tentu pemerintah tidak bisa sendirian dalam mewujudkannya. Diperlukan kerjasama berbagai pihak, baik dari regulator, asosiasi pengembang, dan perbankan termasuk Bank BTN,” ujar Nixon.
Nixon menegaskan, BTN terus berkomitmen menjadi mitra pemerintah dalam memenuhi kebutuhan rumah layak huni, khususnya bagi MBR. Komitmen ini dibuktikan perseroan dengan kontribusi yang sangat besar terhadap Program Sejuta Rumah.
Portofolio BTN
Dengan lebih dari 90 persen portofolio kredit BTN berupa kredit perumahan, perseroan memiliki keunggulan kompetitif di sektor pembiayaan rumah. BTN telah menguasai sekitar 40 persen market share KPR secara nasional dan menggerakkan 181 sub-sektor ekonomi dan lebih dari 7.000 pengembang perumahan bermitra dengan BTN hingga kini.
Di sektor KPR subsidi, BTN mendominasi sebesar 83 persen dan menjadi kontributor utama untuk program perumahan rakyat. Dalam dua tahun ke depan, BTN berharap dapat membiayai satu juta rumah subsidi. Dengan kekuatan ini, BTN mendukung upaya pemerintah untuk menyejahterakan masyarakat berpenghasilan rendah.
Sementara itu, di sektor KPR non-subsidi, BTN terus mengoptimalisasi upaya untuk membidik segmen menengah ke atas atau emerging affluent. BTN membuka sales center di beberapa tempat dan bermitra dengan para pengembang perumahan di suburban dan perkotaan.
BTN optimistis sektor properti Indonesia akan tetap bertumbuh pesat, karena rasio KPR terhadap Produk Domestik Bruto (PDB) Indonesia masih tertahan di angka tiga persen, jauh di bawah negara-negara tetangga di ASEAN. Kemudian, masih terdapat 12,7 juta keluarga yang belum memiliki rumah dan 1,8 juta pernikahan baru setiap tahunnya.
Selain itu, diperkirakan terdapat tambahan 77 juta orang Indonesia yang akan digolongkan sebagai segmen berpendapatan menengah pada 2025. Hal ini ditopang pula dengan upaya pemerintah untuk meningkatkan taraf hidup masyarakat Indonesia di berbagai aspek.
Direktur Eksekutif Segara Research Institute, Piter Abdullah Redjalam menilai, pencapaian BTN dalam menyalurkan KPR diraih dengan tidak mudah. Hal ini, terkait dengan peran dan mandat pemerintah kepada BTN sebagai agen perubahan, sekaligus penyedia rumah untuk seluruh lapisan masyarakat, terutama MBR.
“Di satu sisi, sebagai perusahaan publik, Bank BTN harus konsisten mencetak pertumbuhan laba dan memberikan nilai tambah bagi para pemegang saham (shareholders values). Tapi di sisi lain, menjalankan tugas mulia pemerintah dalam membantu masyarakat mengakses pembiayaan rumah yang terjangkau,” katanya.
Dengan kata lain, menurut Piter, BTN dituntut mampu menyeimbangkan antara menjalankan visi bisnis dan misi sosial secara bersamaan. “Memang tidak mudah, tetapi mandat tersebut membuat bankir Bank BTN akan terlihat berbeda dan layak berbangga. Publik akan selalu ingat satu hal, bahwa di balik rumah milik rakyat, selalu ada peran BTN di dalamnya,” tambahnya.
Piter juga mengapresiasi inovasi BTN dalam menyediakan KPR bagi kelompok MBR yang selama ini terpinggirkan, seperti pekerja sektor informal, para pedagang pasar hingga anak milenial yang baru masuk dunia kerja. Mereka ini, sejatinya tidak mudah memenuhi kriteria layak KPR, terutama dalam hal kecukupan penghasilan, uang muka, dan kemampuan mengangsur.
“Tanpa keberpihakan bankir dan improvisasi dalam penerapan prinsip manajemen risiko, mereka akan sulit mendapatkan KPR. Bank BTN berani melakukan itu dengan tetap menjalankan prinsip kehatihatian yang tinggi. Inilah peran penting Bank BTN yang tak tergantikan,” kata Piter. (asp)
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