{"id":20832,"date":"2025-09-10T15:00:18","date_gmt":"2025-09-10T08:00:18","guid":{"rendered":"https:\/\/businessupdate.id\/?p=20832"},"modified":"2025-09-10T15:00:22","modified_gmt":"2025-09-10T08:00:22","slug":"btn-naikkan-target-kredit-2025-ini-alasannya","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=20832","title":{"rendered":"BTN Naikkan Target Kredit 2025, Ini Alasannya!"},"content":{"rendered":"\n

BusinessUpdate –<\/strong> PT Bank Tabungan Negara (Persero) Tbk atau BTN menargetkan kredit pada 2025 dapat tumbuh mencapai kisaran 7-9% secara tahunan (yoy) atau meningkat dari target sebelumnya sekitar 7-8% yoy.<\/p>\n\n\n\n

Kenaikan target itu seiring adanya penambahan kuota Kredit Pemilikan Rumah (KPR) Subsidi melalui program Fasilitas Likuiditas Pembiayaan Perumahan (FLPP), serta dukungan kebijakan pemerintah di sektor perumahan.<\/p>\n\n\n\n

\u201cPertumbuhan kredit pada 2025 kami harapkan berada di kisaran 7-9% (yoy), sejalan dengan adanya tambahan kuota KPR FLPP menjadi 350.000 unit pada akhir Juni yang lalu,\u201d ujar Direktur Utama BTN Nixon LP Napitupulu dalam Public Expose Live, di Jakarta, Rabu (10\/9\/2025).<\/p>\n\n\n\n

Nixon yakin penambahan kuota KPR FLPP akan memberikan ruang tambahan bagi perseroan untuk menyalurkan KPR Subsidi, tercatat kuota KPR FLPP ditambah menjadi 350.000 unit pada 2025, dari sebelumnya sebanyak 220.000 unit.<\/p>\n\n\n\n

\u201cRealisasi KPR Subsidi nasional masih di angka 121.000 unit rumah, sedangkan BTN sudah menyalurkan hampir 100.000 atau 78% dari total nasional. Kami berharap ada dorongan positif dari kuota yang lebih banyak tahun ini,\u201d jelasnya.<\/p>\n\n\n\n

Selain itu, BTN berharap dukungan kebijakan pemerintah berupa aturan baru terkait maksimal penghasilan untuk masyarakat berpenghasilan rendah (MBR) penerima program FLPP dapat membantu mendongkrak permintaan KPR Subsidi, sehingga berdampak positif terhadap pertumbuhan kredit BTN secara keseluruhan.<\/p>\n\n\n\n

\u201cDi aturan yang baru, maksimal penghasilan MBR terbagi dalam beberapa zona. Untuk Jabodetabek ditetapkan Rp12 juta untuk single income<\/em> dan Rp14 juta untuk joint income<\/em> bersama pasangan. Mudah-mudahan kebijakan ini dapat memperbaiki kemampuan bayar para pembeli rumah,\u201d ujar Nixon.<\/p>\n\n\n\n

Hingga semester I\/2025, BTN membukukan penyaluran kredit dan pembiayaan sebesar Rp376,11 triliun, atau tumbuh 6,8% yoy dari sebesar Rp352,06 triliun pada periode sama tahun sebelumnya.<\/p>\n\n\n\n

Pertumbuhan kredit ditopang oleh penyaluran kredit dan pembiayaan ke sektor perumahan yang naik 6,2% yoy menjadi Rp317,77 triliun, dan sektor non-perumahan (non-housing loan<\/em>) yang naik 10,5% yoy menjadi Rp58,34 triliun pada semester I\/2025.<\/p>\n\n\n\n

Di sektor perumahan, KPR subsidi naik 6,5% yoy menjadi Rp182,17 triliun, sedangkan KPR non-subsidi secara keseluruhan bertumbuh 8,8% yoy menjadi Rp110,72 triliun pada semester I\/2025.<\/p>\n\n\n\n

Hingga semester I\/2025, pertumbuhan kredit BTN menghasilkan pendapatan bunga kredit (interest income<\/em>) yang naik 23,5% yoy menjadi Rp18,50 triliun, atau melampaui pertumbuhan biaya bunga yang sebesar 2,3% yoy berkat upaya BTN mengatur ulang struktur pendanaannya.<\/p>\n\n\n\n

Seiring dengan itu, perseroan mampu membukukan pendapatan bunga bersih sebesar Rp9,34 triliun atau naik 55,1% yoy pada semester I\/2025. Sedangkan margin bunga bersih atau net interest margin (NIM) tercatat naik 139 basis poin (bps) menjadi 4,4% per akhir Juni 2025.<\/p>\n\n\n\n

\u201cAtas pencapaian tersebut, BTN berhasil membukukan laba bersih sebesar Rp1,7 triliun pada akhir semester I\/2025, bertumbuh double digit sebesar 13,6% yoy dibandingkan periode yang sama tahun lalu sebesar Rp1,5 triliun,\u201d tutup Nixon. (ip\/jh. Foto: Dok. BTN)<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

BusinessUpdate – PT Bank Tabungan Negara (Persero) Tbk atau BTN menargetkan kredit pada 2025 dapat tumbuh mencapai kisaran 7-9% secara tahunan (yoy) atau meningkat dari target sebelumnya sekitar 7-8% yoy. Kenaikan target itu seiring adanya penambahan kuota Kredit Pemilikan Rumah (KPR) Subsidi melalui program Fasilitas Likuiditas Pembiayaan Perumahan (FLPP), serta dukungan kebijakan pemerintah di sektor […]<\/p>\n","protected":false},"author":6,"featured_media":13621,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,53],"tags":[426,183,248,765,544,1486,827,1144,1172],"class_list":["post-20832","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-property","tag-bank","tag-btn","tag-kpr","tag-kredit","tag-negara","tag-pemilikan","tag-rumah","tag-tabungan","tag-target"],"yoast_head":"\nBTN Naikkan Target Kredit 2025, Ini Alasannya! - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=20832\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BTN Naikkan Target Kredit 2025, Ini Alasannya! - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate – PT Bank Tabungan Negara (Persero) Tbk atau BTN menargetkan kredit pada 2025 dapat tumbuh mencapai kisaran 7-9% secara tahunan (yoy) atau meningkat dari target sebelumnya sekitar 7-8% yoy. 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