{"id":25655,"date":"2026-06-08T08:05:54","date_gmt":"2026-06-08T01:05:54","guid":{"rendered":"https:\/\/businessupdate.id\/?p=25655"},"modified":"2026-06-08T08:05:56","modified_gmt":"2026-06-08T01:05:56","slug":"rasio-kredit-bermasalah-segmen-kpr-btn-pada-kuartal-i-2026-turun","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=25655","title":{"rendered":"Rasio Kredit Bermasalah Segmen KPR BTN pada Kuartal I\/2026 Turun"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Tabungan Negara (Persero) Tbk atau BTN mencatat rasio kredit bermasalah atau <em>Non-Performing Loan<\/em> (NPL) segmen Kredit Pemilikan Rumah (KPR) menurun menjadi 2,8% pada kuartal I\/2026 dari 3,0% pada kuartal I\/2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Risk Management BTN Setiyo Wibowo menuturkan, kualitas kredit konsumer BTN secara umum terkendali dan terus membaik di tengah pertumbuhan kredit dan dinamika ekonomi masyarakat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBTN tidak hanya berfokus pada pertumbuhan kredit, tetapi juga memastikan kualitas pertumbuhan tersebut tetap terjaga secara optimal,\u201d kata Setiyo Wibowo dalam keterangan resmi yang diterima di Jakarta, Minggu (7\/6\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menyatakan hingga akhir Maret 2026, rasio NPL secara keseluruhan berhasil ditekan menjadi 3,1% pada kuartal I\/2026, lebih baik dibandingkan pencapaian periode yang sama tahun sebelumnya yang tercatat sebesar 3,3%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setiyo mengatakan, perbaikan kualitas pembiayaan tersebut merupakan hasil dari berbagai inisiatif transformasi yang dilakukan perseroan dalam beberapa tahun terakhir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sejumlah upaya perbaikan tersebut antara lain penguatan proses underwriting, peningkatan kualitas verifikasi, digitalisasi proses kredit, pemanfaatan data analytics, hingga penguatan pengelolaan portofolio pascapencairan kredit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Transformasi lainnya adalah pengembangan BTN Loan Factory sebagai pusat pemrosesan kredit terintegrasi yang mengonsolidasikan proses kredit konsumer secara nasional melalui pemanfaatan teknologi digital, data analytics, <em>decision engine, dan workflow automation<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setiyo menyampaikan, transformasi tersebut memperkuat standardisasi proses kredit, meningkatkan kualitas verifikasi dan analisis, serta mempercepat proses pengambilan keputusan kredit. Dengan proses yang semakin terdigitalisasi dan tersentralisasi, pihaknya dapat menjaga kualitas kredit baru secara lebih konsisten sekaligus meningkatkan efisiensi layanan kepada masyarakat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Analis pasar modal Bahana Sekuritas Razqi M. Kurniawan menilai perbaikan kinerja pembiayaan BTN pada kuartal I tahun ini merupakan salah satu pencapaian penting dari operasional <em>loan factory <\/em>tersebut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam kajian hasil site visit yang diterbitkan pada April lalu, ia mengungkapkan bahwa kualitas kredit berdasarkan tahun pembukuan menunjukkan tren yang semakin sehat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredit yang dibukukan dalam beberapa tahun terakhir memperlihatkan tingkat risiko yang jauh lebih terkendali dibandingkan portofolio lama, sehingga memperkuat fondasi kualitas aset perseroan ke depannya. (rn\/jh. Foto: Dok. BTN)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN mencatat rasio kredit bermasalah atau Non-Performing Loan (NPL) segmen Kredit Pemilikan Rumah (KPR) menurun menjadi 2,8% pada kuartal I\/2026 dari 3,0% pada kuartal I\/2025. Direktur Risk Management BTN Setiyo Wibowo menuturkan, kualitas kredit konsumer BTN secara umum terkendali dan terus membaik di tengah pertumbuhan kredit [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":25656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,53],"tags":[11464,2360,183,765,11690,1942],"class_list":["post-25655","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-property","tag-bank-tabungan-negara","tag-bermasalah","tag-btn","tag-kredit","tag-loan-factory","tag-npl"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rasio Kredit Bermasalah Segmen KPR BTN pada Kuartal I\/2026 Turun - 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=25655\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rasio Kredit Bermasalah Segmen KPR BTN pada Kuartal I\/2026 Turun - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN mencatat rasio kredit bermasalah atau Non-Performing Loan (NPL) segmen Kredit Pemilikan Rumah (KPR) menurun menjadi 2,8% pada kuartal I\/2026 dari 3,0% pada kuartal I\/2025. Direktur Risk Management BTN Setiyo Wibowo menuturkan, kualitas kredit konsumer BTN secara umum terkendali dan terus membaik di tengah pertumbuhan kredit [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=25655\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-08T01:05:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-08T01:05:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2026\/06\/loan-factory-BTN-e1780880745420.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"740\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rahman N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=25655\",\"url\":\"https:\/\/businessupdate.id\/?p=25655\",\"name\":\"Rasio Kredit Bermasalah Segmen KPR BTN pada Kuartal I\/2026 Turun - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-06-08T01:05:54+00:00\",\"dateModified\":\"2026-06-08T01:05:56+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=25655#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=25655\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=25655#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Rasio Kredit Bermasalah Segmen KPR BTN pada Kuartal I\/2026 Turun\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Rasio Kredit Bermasalah Segmen KPR BTN pada Kuartal I\/2026 Turun - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=25655","og_locale":"en_US","og_type":"article","og_title":"Rasio Kredit Bermasalah Segmen KPR BTN pada Kuartal I\/2026 Turun - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN mencatat rasio kredit bermasalah atau Non-Performing Loan (NPL) segmen Kredit Pemilikan Rumah (KPR) menurun menjadi 2,8% pada kuartal I\/2026 dari 3,0% pada kuartal I\/2025. 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