Kuasai 72% Pangsa Pasar KPR Subsidi, Posisi BTN dan BSN Tak Tergoyahkan

Rabu 01-04-2026,15:29 WIB
Reporter : Rifaa Ayuni
Editor : Rifaa Ayuni

RIAU.DISWAY.ID – PT Bank Tabungan Negara (Persero) Tbk (BTN) bersama anak usahanya, PT Bank Syariah Nasional (BSN) kian mengukuhkan dominasinya di sektor pembiayaan perumahan subsidi. Hingga akhir Maret 2026, pangsa pasar (market share) KPR subsidi BTN dan BSN mencapai sekitar 72% dengan jumlah penyaluran KPR Subsidi mencapai 28.811 unit.

Dominasi ini mengalahkan bank-bank lainnya seperti  PT Bank Negara Indonesia (Persero) Tbk (BNI) dengan market share 8,28% dan realisasi 3.311 unit rumah. PT Bank Rakyat Indonesia (Persero) Tbk (BRI) dengan pangsa pasar 6,95% atau setara 2.780 unit rumah.

Berikutnya, PT Bank Mandiri (Persero) Tbk mencatat market share sebesar 5,36% dengan realisasi 2.143 unit rumah. Sementara itu, PT Bank Syariah Indonesia Tbk (BSI) berada di posisi terakhir dengan pangsa pasar 2,02% dan realisasi 808 unit rumah.

Direktur Consumer Banking BTN Hirwandi Gafar mengatakan, keunggulan perseroan dalam penyaluran KPR FLPP ini mempertegas posisi BTN sebagai pemain utama dalam pembiayaan rumah bagi masyarakat berpenghasilan rendah (MBR). Sekaligus sebagai motor penggerak kepemilikan rumah. 

"BTN terus berkomitmen menjadi garda terdepan dalam pembiayaan perumahan, khususnya bagi MBR. Peningkatan market share ini mencerminkan kepercayaan masyarakat yang terus tumbuh," kata Hirwandi, Rabu (1/4).

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Sejak pertama kali menyalurkan KPR pada 1976, BTN telah membiayai 4.087.046 unit rumah dengan total nilai mencapai Rp 262,32 triliun. Hingga 27 Maret 2026, realisasi penyaluran KPR subsidi BTN mencapai Rp 3,65 triliun untuk 21.954 unit rumah. Sementara sepanjang 2025, BTN menyalurkan KPR subsidi sebanyak 132.803 unit rumah dengan nilai Rp 22,01 triliun.

Hirwandi menegaskan, BTN akan terus memperluas akses pembiayaan perumahan. Capaian ini sekaligus menegaskan peran BTN dalam mendukung kepemilikan hunian bagi masyarakat Indonesia. Seiring fungsi intermediasi yang terus diperkuat untuk mendorong kinerja perseroan. 

"Kolaborasi dengan pemerintah dan pengembang akan terus diperkuat agar penyaluran KPR subsidi semakin merata dan tepat sasaran," tegas Hirwandi.

Tags : #kpr subsidi #btn #bsn #bank tabungan negara #bank syariah nasional
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Function: _error_handler

File: /var/www/html/riau.disway.id/application/views/frontend/amp/detail.php
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Function: link_url

File: /var/www/html/riau.disway.id/application/controllers/Amp.php
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Function: view

File: /var/www/html/riau.disway.id/index.php
Line: 317
Function: require_once

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File: /var/www/html/riau.disway.id/application/helpers/myurl_helper.php
Line: 56
Function: _error_handler

File: /var/www/html/riau.disway.id/application/views/frontend/amp/detail.php
Line: 1373
Function: link_url

File: /var/www/html/riau.disway.id/application/controllers/Amp.php
Line: 273
Function: view

File: /var/www/html/riau.disway.id/index.php
Line: 317
Function: require_once

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File: /var/www/html/riau.disway.id/application/helpers/myurl_helper.php
Line: 56
Function: _error_handler

File: /var/www/html/riau.disway.id/application/views/frontend/amp/detail.php
Line: 1367
Function: link_url

File: /var/www/html/riau.disway.id/application/controllers/Amp.php
Line: 273
Function: view

File: /var/www/html/riau.disway.id/index.php
Line: 317
Function: require_once

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A PHP Error was encountered

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Backtrace:

File: /var/www/html/riau.disway.id/application/helpers/myurl_helper.php
Line: 56
Function: _error_handler

File: /var/www/html/riau.disway.id/application/views/frontend/amp/detail.php
Line: 1373
Function: link_url

File: /var/www/html/riau.disway.id/application/controllers/Amp.php
Line: 273
Function: view

File: /var/www/html/riau.disway.id/index.php
Line: 317
Function: require_once

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Backtrace:

File: /var/www/html/riau.disway.id/application/helpers/myurl_helper.php
Line: 56
Function: _error_handler

File: /var/www/html/riau.disway.id/application/views/frontend/amp/detail.php
Line: 1367
Function: link_url

File: /var/www/html/riau.disway.id/application/controllers/Amp.php
Line: 273
Function: view

File: /var/www/html/riau.disway.id/index.php
Line: 317
Function: require_once

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A PHP Error was encountered

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Backtrace:

File: /var/www/html/riau.disway.id/application/helpers/myurl_helper.php
Line: 56
Function: _error_handler

File: /var/www/html/riau.disway.id/application/views/frontend/amp/detail.php
Line: 1373
Function: link_url

File: /var/www/html/riau.disway.id/application/controllers/Amp.php
Line: 273
Function: view

File: /var/www/html/riau.disway.id/index.php
Line: 317
Function: require_once

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A PHP Error was encountered

Severity: Notice

Message: Undefined index: nama_kategori

Filename: helpers/myurl_helper.php

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Backtrace:

File: /var/www/html/riau.disway.id/application/helpers/myurl_helper.php
Line: 56
Function: _error_handler

File: /var/www/html/riau.disway.id/application/views/frontend/amp/detail.php
Line: 1367
Function: link_url

File: /var/www/html/riau.disway.id/application/controllers/Amp.php
Line: 273
Function: view

File: /var/www/html/riau.disway.id/index.php
Line: 317
Function: require_once

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A PHP Error was encountered

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Message: Undefined index: nama_kategori

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Backtrace:

File: /var/www/html/riau.disway.id/application/helpers/myurl_helper.php
Line: 56
Function: _error_handler

File: /var/www/html/riau.disway.id/application/views/frontend/amp/detail.php
Line: 1373
Function: link_url

File: /var/www/html/riau.disway.id/application/controllers/Amp.php
Line: 273
Function: view

File: /var/www/html/riau.disway.id/index.php
Line: 317
Function: require_once

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