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IJSTR >> Volume 9 - Issue 11, November 2020 Edition



International Journal of Scientific & Technology Research  
International Journal of Scientific & Technology Research

Website: http://www.ijstr.org

ISSN 2277-8616



Characteristics Of Beneficiaries And Challenges Of The BP2BT Program Implementation In Supplying Affordable Housing For Informal Low-Income Community In Indonesia

[Full Text]

 

AUTHOR(S)

Widowati Ida Rahayu, Manaf Asnawi

 

KEYWORDS

BP2BT (Saving Based Housing Financing Assistance Program), Formal Low-Income Community Formal, Informal Low-Income Community, KPR (Housing Ownership Credit) Submission, Backlog, Housing , Province of Central Java.

 

ABSTRACT

[Title: Characteristics of Beneficiaries and Challenges of The BP2BT Program Implementation in Supplying Affordable Housing for Informal Low-Income Community]. Indonesia is still experiencing a high backlog of 7.6 million housing units. To reduce the backlog, in 2018 the Government implemented the BP2BT (Bantuan Pembiayaan Perumahan Berbasis Tabungan / Saving Based Housing Financing Assistance Program). This program was a housing finance assistance scheme for low income people particularly for Informal Sector that had savings to meet a portion of the down payment to buy or to construct their own house by housing credit (Kredit Kepemilikan Rumah or KPR) from the Bank. This research aims to determine the socio-economic characteristics of the beneficiaries and to examine the challenges of implementing BP2BT in responding to housing problems for Informal Low-Income Community. The research uses a case study research method. The Province of Central Java was selected as the unit of analysis of the case study. The results showed that most of the beneficiaries of the BP2BT Program were formal Low-Income Community with regular income, Informal Low-Income Community still have not received the BP2BT Program, because Informal Low-Income Community do not have a fixed income, are unable to repay credit in the long term (15-20 years) and are constrained by the requirements for applying for KPR Submission from the Implementing Bank.

 

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