CEO of PT GoTo Gojek Tokopedia Tbk. (GOTO), Patrick Walujo, has revealed key obstacles that prevent Gojek partner drivers from accessing subsidized housing or mortgage financing.

Pilot Project with BTN Halted Due to Income Fluctuation

In 2018, Gojek partnered with PT Bank Tabungan Negara (Persero) Tbk. (BBTN) to launch a pilot project for Housing Ownership Credit (KPR) targeting Gojek’s partner drivers. However, the program stalled due to challenges with the drivers' inconsistent income levels.

Gojek Drivers Classified as Informal Workers Face Financing Hurdles

According to Patrick, one major challenge lies in the fact that Gojek drivers are categorized as informal workers, which complicates mortgage approval processes. “Actually, since 2018, we started a program called Swadaya to help our partners own homes. But as the Minister said, the number remains limited,” Patrick stated on Tuesday, April 8, 2025.

Gojek Proposes Daily Income Deduction for Mortgage Payments

Patrick added that Gojek is continuing discussions with BTN on developing a sustainable mortgage system. One proposed method involves automatically deducting a portion of drivers’ daily income, which would then be saved and applied toward monthly mortgage installments. “That way, it can become monthly installments or mortgage payments,” he explained.

Government Prepares 2,000 Subsidized Homes for Online Drivers

Meanwhile, the Ministry of Housing and Settlements (PKP) plans to allocate 2,000 units of subsidized homes through the Housing Financing Liquidity Facility (FLPP) for online motorcycle and car drivers. Minister Maruarar Sirait said the allocation includes 1,000 homes each for two-wheeled and four-wheeled drivers.

Patrick Walujo Welcomes Ministry’s Affordable Housing Initiative

Patrick expressed support for the government’s plan and shared hope that the initiative will ease access to homeownership for Gojek’s partner drivers.

PHOTO: GOJEK

This article was created with AI assistance.