{"id":24706,"date":"2026-04-13T16:11:32","date_gmt":"2026-04-13T09:11:32","guid":{"rendered":"https:\/\/businessupdate.id\/?p=24706"},"modified":"2026-04-13T16:11:34","modified_gmt":"2026-04-13T09:11:34","slug":"pangkas-proses-pengajuan-kpr-btn-luncurkan-loan-factory","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=24706","title":{"rendered":"Pangkas Proses Pengajuan KPR BTN Luncurkan Loan Factory"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211; <\/strong>PT Bank Tabungan Negara (Persero) Tbk meluncurkan Loan Factory untuk memangkas proses pengajuan kredit perumahan rakyat (KPR) menjadi lebih singkat. Sistem ini ditargetkan dapat memangkas waktu proses dari rata-rata enam hari kerja menjadi tiga hari kerja dalam beberapa tahun ke depan.<\/p>\n\n\n\n<p>Transformasi ini menjadi langkah<a href=\"https:\/\/republika.co.id\/tag\/btn\">\u00a0<\/a>BTN\u00a0mempercepat ekspansi kredit tanpa mengorbankan kualitas. Direktur Utama BTN Nixon LP Napitupulu mengatakan, Loan Factory diluncurkan sebagai mesin pertumbuhan kredit yang tetap menjaga risiko.<\/p>\n\n\n\n<p>\u201cKalau hanya tumbuh tanpa kualitas, itu tidak <em>acceptable<\/em>. Tapi kalau kualitas bagus tanpa pertumbuhan, itu juga tidak cukup,\u201d kata Direktur Utama BTN Nixon LP Napitupulu di Bekasi, Jawa Barat, Senin (13\/4\/2026).<\/p>\n\n\n\n<p>Untuk tahun ini, BTN menargetkan dapat menyetujui setiap pengajuan pembiayaan dalam lima hari. Sementara, saat ini, rata-rata waktu yang diperlukan untuk menyelesaikan proses pengajuan kredit di BTN adalah selama enam hari, lebih singkat dibandingkan sebelumnya yang mencapai sembilan hari.<\/p>\n\n\n\n<p>&#8220;Kami ingin melayani nasabah lebih baik. Sering sekali ada keluhan waktu aplikasi (pengajuan) KPR di satu titik (lokasi) lebih dari sebulan. Karena prosesnya belum ter-<em>centralized<\/em> (terpusat), kadang-kadang kami nggak tahu (ada masalah tersebut),&#8221; tambahnya.<\/p>\n\n\n\n<p>Ia menuturkan perseroan menerima 220 ribu hingga 250 ribu pengajuan KPR setiap tahunnya, sehingga dibutuhkan transformasi sistem yang terintegrasi dan terstandardisasi untuk dapat mengelola pengajuan tersebut secara efisien.<\/p>\n\n\n\n<p>Ia mengatakan transformasi tersebut juga diperlukan untuk memastikan keberlanjutan bisnis agar dapat mendorong pertumbuhan sehingga menjadikan emiten perbankan berkode BBTN tersebut sebagai perusahaan besar bertaraf global.<\/p>\n\n\n\n<p>Pihaknya pun mengembangkan BTN Loan Factory tersebut untuk meningkatkan booking, menjaga <em>service level agreement<\/em> (SLA), serta memperbaiki kualitas kredit atau rasio <em>non-performing loan<\/em> (NPL\/kredit macet).<\/p>\n\n\n\n<p>Selain itu, fasilitas tersebut juga diharapkan dapat meningkatkan efisiensi operasional perusahaan, terutama di bidang sumber daya manusia (SDM).<\/p>\n\n\n\n<p>&#8220;(Kami juga ingin operasional) lebih efisien, orangnya jadi terpusat dan (SDM) yang lain kami bisa pindahkan ke sales atau ke unit lain. Yang paling penting lagi adalah nasabah memiliki kepastian waktu. Itu yang mau kami ciptakan (melalui BTN Loan Factory),&#8221; kata Nixon.<\/p>\n\n\n\n<p>BTN Loan Factory terletak di kompleks Kantor BTN Cabang Bekasi, Jawa Barat, dan sudah beroperasi sejak 6 April 2026. (ip\/jh. Foto: Dok. Antara)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk meluncurkan Loan Factory untuk memangkas proses pengajuan kredit perumahan rakyat (KPR) menjadi lebih singkat. Sistem ini ditargetkan dapat memangkas waktu proses dari rata-rata enam hari kerja menjadi tiga hari kerja dalam beberapa tahun ke depan. Transformasi ini menjadi langkah\u00a0BTN\u00a0mempercepat ekspansi kredit tanpa mengorbankan kualitas. Direktur Utama BTN [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":24707,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,53],"tags":[11464,183,248,3039,11690,10348,5008],"class_list":{"0":"post-24706","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-property","9":"tag-bank-tabungan-negara","10":"tag-btn","11":"tag-kpr","12":"tag-kredit-pemilikan-rumah","13":"tag-loan-factory","14":"tag-pengajuan","15":"tag-proses"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pangkas Proses Pengajuan KPR BTN Luncurkan Loan Factory - 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=24706\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pangkas Proses Pengajuan KPR BTN Luncurkan Loan Factory - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk meluncurkan Loan Factory untuk memangkas proses pengajuan kredit perumahan rakyat (KPR) menjadi lebih singkat. 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