Policy Scheme for Housing Provision in Improving Welfare: A Case Study on ASN (State Civil Apparatus)

Abstract

Provision of decent and affordable housing in Indonesia has been faced with difficulty due to lower level of housing accessibility from the housing schemes submitted to the free market. Limited access to housing presents a significant impact on low level of community welfare. Based on these problems, this study aims to analyze the proper housing provision policy scheme in improving the welfare of the community. This study raises the case of ASN as one of the with no home ownership, especially for ASN with low rank / class. Based on the results of descriptive statistical analysis, housing provision is advised to address the preferences of beneficiaries, including priorities such as: (i) housing provision acessing proximity to public services; (ii) housing provision acessibility to work location; and (iii) specifications for housing provision adjusted to rank / class level. The conclusion which can be withdrawn in the ASN case bears theconcept of providing housing considering the four principles of: propriety, fairness, rationality, and conformity. The finding of this study is expected to provide a modeling concept for housing provision policy in accordance with the principle of equal access to public

The Housing Financing Policy and Its Impacts on Low-Income Communities and Indonesian Economy

“…One of the central issues is the short-term nature of the source of housing finance funds that cannot reliably cover long-term mortgages (maturity mismatch). Dependence on the state budget makes the carrying capacity of housing development very limited and the state budget is only able to fulfill 30% of the total demand (Setiawan, 2021;Ika & Zein Nasution, 2019). Although the home financing program can also be complemented by various programs from the local government budget, the backlog is still difficult to reduce (Suryanto et al, 2019).…”