The Effectiveness of Housing Finance Policy Innovation for Low-Income Communities in Indonesia

Abstract

Abstract The limited access to fulfilment of housing needs, inadequate availability of finance, and unaffordable housing prices are essential factors used to determine the effectiveness of housing finance policies for Low-Income Communities (MBR). This study aims to determine how SiKasep , a Housing Subsidized KPR Information System Application effectively improves housing needs fulfilment, provides access to finance, and ensures affordable houses for low-income communities. The strategies used include leadership approaches and effective communication, government support, community knowledge, participation, and policy impact. This is a quantitative and qualitative research with data collected from 55 respondents through questionnaires. The findings indicate the importance of the community’s knowledge factors, specifically on aspects of technology proficiency and economy for MBR, as an innovative approach to effective housing finance policy.

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