scholarly journals Implementation of Swadaya Housing Stimulant Assistance

2020 ◽  
Vol 3 (1) ◽  
pp. 650-669
Author(s):  
Mia Sekarvilia ◽  
Karsinah Karsinah
Keyword(s):  
Low Income ◽  
Institutional Capacity ◽  
Public Works ◽  
Policy Implications ◽  
Primary Data ◽  
Self Help ◽  
Beneficiary Community ◽  
Prior Notification ◽  
Political Conditions ◽  
The Government

People who are less fortunate still find it difficult to get access to decent homes. The Government of Indonesia through the Ministry of Public Works and Housing has developed a program that is oriented towards housing development, namely the Self-Help Housing Stimulant Assistance aimed at Low-Income Communities. The purpose of this study is to measure the success of the implementation of Self-Help Housing Stimulant Assistance in Tempuran Village, Bringin District, Semarang Regency. The research method used is descriptive percentage. The type of data used is primary data using a questionnaire. The variables used are program standards and targets, institutional capacity, funding and social and political conditions. The results of the study, the percentage of standard variables and program targets is 73% categorized as successful. The results of the analysis of the percentage of institutional capacity variables that is 73% are categorized successful. The results of the analysis of the percentage of financing variables are 86% until the categorization is very successful. The results of the analysis of the percentage of social and political conditions variables are 44% categorized quite successful. The policy implications, assistance and supervision of the Field Facilitator are needed for the KPB to carry out its development independently, the need for prior notification of the preparation of additional self-funding in the BSPS program by the beneficiary community itself for the completion of the housing construction process, the need for participation from surrounding communities and interest groups who have the opinion that the implementation goes well. Masyarakat yang kurang beruntung masih sulitnya akses untuk mendapatkan rumah layak huni. Pemerintah Indonesia melalui Kementeriann PUPR membuat suatu program yang berorientasi pada pembangunan perumahan yaitu Bantuan Stimulan Perumahan Swadaya ditujukan bagi Masyarakat Berpenghasilan Rendah. Tujuajn penelitian ini adalah untuk mengukur keberhasilan impelementasi Bantuan Stimulan Perumahan Swadaya di Desa Tempuran Kecamatan Bringin Kabupaten Semarang. Metode penelitian yang digunakan adalah deskriptif persentase. Jenis data yang digunakan adalaah data primer dengan menggunakan kuesioner. Variabel yang digunakan adalah standar dan sasaran program, kapasitas kelembagaan, pembiayaan serta kondisi sosial dan politik. Hasil penelitian persentase variabel standar dan sasaran program adalah sebesar 73% dikategorikan berhasil. Hasil analisis persentase variabel kapasitas kelembagaan yaitu 73% dikategorikan berhasil. Hasil analisis persentase variabel pembiayaan adalah 86% sdikategorikan sangat berhasil. Hasil analisi persentase variabel kondisi sosial dan politik adalah 44% dikategorikan cukup berhasil. Implikasi kebijakan, pendampingan dan pengawasan dari Tenaga Fasilitator Lapangan diperlukan agar KPB melakukan pembangunannya secara swadaya, perlunya pemberitahuan terlebih dahulu untuk persiapan dana tambahan swadaya pada program BSPS oleh masyarakat penerima bantuan itu sendiri demi terselesaikannya proses pembangunan rumah, perlunya partisipasi dari masyarakat sekitar serta kelompok kepentingan yang berpengarung agar implementasi berjalan dengan baik.

scholarly journals An evaluation of the self-help housing scheme in Botswana, case of Gaborone city

Spatium ◽  
2007 ◽  
pp. 28-36 ◽  
Author(s):  
Horatio Ikgopoleng ◽  
Branko Cavric
Keyword(s):  
Low Income ◽  
Urban Areas ◽  
Urban Families ◽  
Evaluation Study ◽  
Urban Housing ◽  
Urban Centers ◽  
Self Help ◽  
Housing Scheme ◽  
The Government ◽  
The Impact

Botswana like other developing countries faces a problem of acute shortage of housing, particularly for low-income urban families. The current housing problems are the outcomes of the economic, demographic and social changes which the country has experienced since independence in 1966. In particular the urbanization process which surfaced in the early 1980?s. The government has sought to cope with the problem of low-income urban housing by establishing a Self-Help Housing (SHHA) program in the main urban centers. The evaluation findings reveal that, on the whole, the impact of the SHHA approach on the improvement of low-income urban housing has been unsuccessful. The major problems of the scheme are lack of serviced land and inadequate finances for plot development. This has been exacerbated by the high urban development standards which are out of the reach of low-income urban families. The evaluation study also reveals that, there are some indications of non low-income urban households living in SHHA areas. The available evidence reveals that the number of those people in SHHA areas is not as big as has been speculated by most people in the country. However this paper calls for more investigation in this issue and a need for more tight measures to control this illicit practice. The major conclusions are that housing policies in Botswana are not supportive of the general housing conditions in low-income urban areas. Therefore there is a need for urban planners and policy makers of Botswana to take more positive action towards the improvement of low-income urban areas. This would require pragmatic policies geared towards the improvement of those areas. .

Entrepreneurs’ Competencies and Competitive Advantages: A Study on Malaysian Microenterprises

2019 ◽  
pp. 097215091985493
Author(s):  
Syed Ali Fazal ◽  
Abdullah Al Mamun ◽  
Ghazali Bin Ahmad ◽  
Muhammad Mehedi Masud
Keyword(s):  
Competitive Advantage ◽  
Low Income ◽  
Peninsular Malaysia ◽  
Policy Implications ◽  
Business Success ◽  
Cross Sectional ◽  
Positive Effects ◽  
Negative Effect ◽  
The Government ◽  
Relationship Competency

Considering the significance of relevant competencies towards business success and the dependency of socio-economical vulnerable micro-entrepreneurs on their enterprise income, this study examined the effect of entrepreneurs’ competencies (i.e., opportunity recognizing competency, strategic competency, organizing competency, relationship competency, conceptual competency and commitment competency) on the competitive advantage of microenterprises in Malaysia. This study adopted a cross-sectional research design and collected quantitative data from 300 randomly selected respondents from Peninsular Malaysia. The findings revealed significant positive effects of organizing and commitment competency on the competitive advantage with a significantly negative effect of relationship competency on the competitive advantage. Apart from enriching the current literature, this study offers significant policy implications for the government and socio-developmental organizations in Malaysia for improving the micro-entrepreneurship and uplifting large low-income groups from poverty.

scholarly journals Model Kemitraan dalam Pembangunan Rumah Sewa Swadaya

2012 ◽  
Vol 3 (2) ◽  
pp. 1023
Author(s):  
Sigit Wijaksono
Keyword(s):  
Local Government ◽  
Low Income ◽  
Rental Housing ◽  
Comparative Approach ◽  
Business And Society ◽  
Partnership Model ◽  
Self Help ◽  
Specific Objective ◽  
The Government ◽  
Data Collection Technique

The high prices of land causes the decreasing development of rental housing around activity centers such as workplaces, schools and others. The specific objective of this study is to identify and map the forms of existing partnerships between government, business, and community organizations in the construction of rental housing, to identify obstacles in the implementation and effectiveness of these partnerships, and to develop a partnership model that can include and involve all interests (stakeholders) either from the government (central or local), businesses, and communities, as well as their respective roles in realizing the construction of rental housing for low income community. This study implements is a qualitative method with exploratory descriptive and comparative approach. Data are obtained through surveys in several locations as representatives of existing forms of self-help construction of rental housing in Jakarta, West Java and Batam. Data collection technique used observation and interviews are supported by direct observation in the field. The model developed is aimedat promoting self-help development of affordable rental housing which involves a partnership among government, business, and society. The partnership should be beneficial to all three parties. It should also allow affordability of low-income community to rent the house in the form of licensing component funded by national and local government, construction financed by the business or government, while the land acquisition component can use the land the community or local government.

scholarly journals Land Provision for Decent and Affordable Housing for Low-Income Community in Salatiga City

2020 ◽  
Vol 6 (2) ◽  
pp. 113-122
Author(s):  
S Sunarti ◽  
Nany Yuliastuti ◽  
I Indriastjario
Keyword(s):  
Affordable Housing ◽  
Low Income ◽  
Urban Housing ◽  
Primary Data ◽  
Housing Cost ◽  
Potential Map ◽  
Standard Set ◽  
The Government ◽  
Village Government ◽  
Document Review

The needs land for urban housing construction was increasingly difficult andmore pricey, so for low-income communities for able owned a house was not easy.Limited of land in an urban area, especially in small cities such as Salatiga, its land wasnot all can be used in housing constructions. This condition needed an interventionfrom the local government to facilitate their needs for housing could be fulfilled. Basedon the problems, the goals of this research studied a providing of land for decent andaffordable housing for low-income communities in Salatiga. The method used was amixed method with a sequential explanation strategy, that is by overlaying secondarydata on the land potential map from various sources that can be used for decenthousing with primary data, such as interview and document review with localgovernment to reduce of housing cost. The results of the study figure out that housingused a land owned by the village government can be affordable for low-incomecommunities with price less expensive below the standard set by the government.

scholarly journals STUDI KELAYAKAN PERUMAHAN BERSUBSIDI PENUNJANG KAWASAN INDUSTRI (LOKASI : SAGA, BALARAJA, KABUPATEN TANGERANG)

2020 ◽  
Vol 2 (2) ◽  
pp. 2589
Author(s):  
Vania Putri Azaria ◽  
Priyendiswara Agustina Bela ◽  
Bambang Deliyanto
Keyword(s):  
Low Income ◽  
Supply And Demand ◽  
Subsidized Housing ◽  
Public Works ◽  
Financing System ◽  
Low Income Families ◽  
The Government ◽  
Gathering Place ◽  
Study Property ◽  
General Society

House is one of the primary needs in society. Not only a living place, but a house is also a protection, gathering place, and investment. For low-income families, the gap between supply and demand for houses occur every year. It happens because of the low buying power or limited access to the house financing system. Therefore, through the banking industry, the government realizes the housing loan facility called the mortgage. There are 2 types of mortgages in Indonesia, i.e., subsidized mortgage and non-subsidized mortgage. The subsidized mortgage mainly targets Low-Income Families (LIF). The bank provides this type as the government program cooperating with the Ministry of Public Works and Public Housing to help finance subsidized houses in the form of loan or down payment facility. Meanwhile, the non-subsidized mortgage targets general society that fulfilled the mortgage requirements from the providing bank. PT Prima Graha Nusa Sempana currently plans to develop subsidized housing estate that targets factory workers. The land is located in Balaraja Sub-district, precisely at Saga Village, one of the industrial centers in Tangerang Regency. Before developing a 13.5 Ha land, an eligibility study is required. The study is conducted to discover the development eligibility and to count the profit and loss from the development. Besides that, an eligibility study is conducted to achieve a maximum result from the development. Keywords: feasibility study, property; subsidized housing AbstrakRumah menjadi salah satu kebutuhan primer bagi masyarakat, selain sebagai tempat tinggal rumah juga merupakan tempat berlindung dan sebagai tempat berkumpul sekaligus sebagai barang investasi. Bagi masyarakat berpenghasilan rendah kesenjangan antara kebutuhan penyediaan rumah dari tahun ke tahun masih terus terjadi, hal itu dikarenakan masih rendahnya daya beli atau terbatasnya akses  ke sistem pembiayaan rumah. Oleh karena itu pemerintah melalui perbankan merealisasikan pemeberian kredit yang disebut dengan KPR (Kredit Pemilikan Rumah). Di Indonesia dikenal dengan 2 jenis KPR yaitu KPR subsidi dan KPR non subsidi. KPR subsidi umumnya ditujukan untuk Masyarakat Berpenghasilan Rendah (MBR). KPR jenis ini disediakan oleh bank sebagai bagian dari program pemerintah bekerjasama dengan Kementerian Pekerjaan Umum dan Perumahan Rakyat (PUPR) untuk membantu mendanai kepemilikan rumah masyarakat yang akan diberikan subsidi berupa keringanan kredit atau uang muka. Sedangkan KPR non subsidi diperuntukkan bagi masyarakat umum yang memenuhi persyaratan yang ditetapkan oleh bank penyedia KPR. PT. Prima Graha Nusa Sempana saat ini sedang merencanakan pembangunan perumahan bersubsidi dengan target pasar buruh pabrik, hal itu karena lahan tersebut berada di Kecamatan Balaraja tepatnya di Kelurahan Saga, dimana Balaraja merupakan salah satu pusat industri yang terdapat di Kabupaten Tangerang. Sebelum melakukan pengembangan pada lahan seluas 13.5 Ha, akan dilakukan terbelih dahulu studi kelayakan terhadap lahan tersebut. Studi kelayakan dilakukan untuk mengetahui layak atau tidaknya pengembangan tersebut dan untuk mengetahui keuntungan dan kerugian pada pengembangan tersebut. Selain itu studi kelayakan dilakukan agar pengembang mendapatkan hasil yang maksimal tergadap pengembangan tersebut. 

scholarly journals IMPLEMENTASI AKAD MURABAHAH PADA PEMBIAYAAN KPR DI BANK TABUNGAN NEGARA SYARIAH PAREPARE

2019 ◽  
Vol 1 (1) ◽  
pp. 45-68
Author(s):  
Fitri Handayani ◽  
Rahman Ambo Masse ◽  
Sunuwati Sunuwati
Keyword(s):  
Public Housing ◽  
Low Income ◽  
Home Ownership ◽  
Public Works ◽  
Islamic State ◽  
Accounts Receivable ◽  
Savings Bank ◽  
Financing Mechanism ◽  
The Government ◽  
Conventional Bank

This study discusses the implementation of murabahah contracts on mortgage financing in the Parepare Islamic state savings bank. That the BTN Syariah bank is a unit of conventional Bank BTN which raises doubts about mortgage financing, whether or not it has implemented murabahah contracts in mortgage financing or not. As recommended by the DSN fatwa and Indonesian banks. This study aims to determine the implementation of the murabahah contract on mortgage financing at the Parepare Syariah State Savings Bank. The results of this study indicate that: (1) the financing mechanism for mortgages at Bank BTN Syariah Parepare is in accordance with the rules of banks and government, the rules governed by the government are the rules regarding subsidized mortgages stipulated in PermenPUPR Number 21 / PRT / M / 2016 concerning convenience and or assistance in obtaining houses for low income people. PermenPUPR Number 26 / PRT / M / 2016 concerning changes to the ministerial regulations on public works and public housing number 21 / PRT / M / 2016 and PermenPUPR Republic of Indonesia Number 425 / KPTS / M / 2015 concerning limits on house selling prices that can be obtained through credit or financing of prosperous home ownership. (2) Implementation of murabahah contract at BTN Syariah Parepare bank, terms and conditions are in accordance with the principle of murabahah contract, murabahah contract has not implemented well on mortgage products at BTN Syariah Parepare bank due to the existence of murabahah contract elements which are not in accordance with the fatwa of the board national sharia-MUI. The element of the murabahah contract that is not in accordance with the DSN-MUI fatwa is the down payment and rescheduling. The elements of the murabahah contract are in accordance with the DSN-MUI fatwa, namely discounts, settlement of accounts receivable, fines and accelerated repayments.

Strategic Approaches and Delivery of Affordable Housing in Nairobi City County, Kenya

2020 ◽  
Vol 2 (1) ◽  
pp. 17-35
Author(s):  
Sammy Kanjah Kimani ◽  
Janesther Karugu
Keyword(s):  
Affordable Housing ◽  
Low Income ◽  
Random Sampling ◽  
Emerging Market ◽  
Market Price ◽  
Housing System ◽  
Primary Data ◽  
Social Entrepreneurs ◽  
Specific Focus ◽  
The Government

Affordable housing system is a word used in Kenya to refer to that part of society whose revenue is below the average revenue of the family. Affordable housing becomes a main problem particularly in developing countries where it is not possible for a majority of the population to purchase homes at market price. Most individuals around the world live in towns and 1 billion live in slums, which will double by 2030. Urban populations are increasing at a pace that is much quicker than they can be consumed and managed, resulting in requirements on services and infrastructure that exceed supply. This leaves most inhabitants in many emerging market towns with few choices but living in slums. Increasing access to affordable housing of high quality has a deep effect on the person as well as on society as a whole. However, housing is a difficult and capital-intensive industry characterized by delays and regulatory problems, resulting in it rarely gaining the spotlight on impact investors and social entrepreneurs. Therefore, this study aimed to determine the influence the strategic approaches adopted by the government in delivering affordable housing in Kenya with specific focus on Nairobi County. The specific objectives of this study were to determine the influence of modern construction technologies, innovative housing financing, collaborative approach and legal and regulatory reforms in delivering affordable housing in Kenya with specific focus on Nairobi County. The research was anchored on the theory of monopoly rivalry, regulatory theory and the model of cooperative strategy. The research also demonstrated a conceptual framework for the connection between the factors. Descriptive research design was used in the study. For this research, the target population was officers in the county government concerned with a total of 106 homes. Stratified random sampling and simple random sampling methods were utilized in selecting a sample size of 64, which represented 60 percent of the entire research population. Research used primary and secondary data. The primary data was collected using a semi-structured questionnaire administered to officers by drop-down and later by selecting technique. Using SPSS (version 21), data gathered was analyzed using descriptive and inferential statistics. The study revealed that the use of modern construction technologies greatly influenced the delivery of affordable housing. The study also revealed that the innovative housing financing influenced the delivery of affordable housing to great extent. The study further found that the collaborative approaches had influenced the delivery of affordable housing by the government to a great extent. Based on the findings the study recommended that the government sensitize the developers to fully adopt modern technologies in construction of the houses, so as to reduce the costs of the houses. Additionally, the study recommended that the government come up with innovative financing such as allowing the access of pension benefits by individuals to help in financing the ownership of houses. The study also recommended that the government seek more collaborative opportunities such as through public private partnerships to help in realizing the goal of delivering affordable housing especially to the low income earners. 

scholarly journals Influence of Electrification Pathways in the Electricity Sector of Ethiopia—Policy Implications Linking Spatial Electrification Analysis and Medium to Long-Term Energy Planning

Energies ◽  
2021 ◽  
Vol 14 (4) ◽  
pp. 1209
Author(s):  
Ioannis Pappis ◽  
Andreas Sahlberg ◽  
Tewodros Walle ◽  
Oliver Broad ◽  
Elusiyan Eludoyin ◽  
...  
Keyword(s):  
Low Income ◽  
Carbon Dioxide Emissions ◽  
Power Transmission ◽  
Universal Access ◽  
Cost Optimization ◽  
Energy Transition ◽  
Electricity Sector ◽  
Policy Implications ◽  
Energy Planning ◽  
The Government

Ethiopia is a low-income country, with low electricity access (45%) and an inefficient power transmission network. The government aims to achieve universal access and become an electricity exporter in the region by 2025. This study provides an invaluable perspective on different aspects of Ethiopia’s energy transition, focusing on achieving universal access and covering the country’s electricity needs during 2015–2065. We co-developed and investigated three scenarios to examine the policy and technology levels available to the government to meet their national priorities. To conduct this analysis, we soft-linked OnSSET, a modelling tool used for geospatial analysis, with OSeMOSYS, a cost-optimization modelling tool used for medium to long-run energy planning. Our results show that the country needs to diversify its power generation system to achieve universal access and cover its future electricity needs by increasing its overall carbon dioxide emissions and fully exploit hydropower. With the aim of achieving universal access by 2025, the newly electrified population is supplied primarily by the grid (65%), followed by stand-alone (32%) technologies. Similarly, until 2065, most of the electrified people by 2025 will continue to be grid-connected (99%). The country’s exports will increase to 17 TWh by 2065, up from 832 GWh in 2015, leading to a cumulative rise in electricity export revenues of 184 billion USD.

scholarly journals Analysis of the residential space transformation of government-subsidized housing program

2021 ◽  
Vol 6 (1) ◽  
pp. 105-118
Author(s):  
Agustina Sri Rezeki Simbolon ◽  
Dwira Nirfalini Aulia ◽  
Hilma Tamiami Fachrudin
Keyword(s):  
Low Income ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Subsidized Housing ◽  
Primary Data ◽  
Housing Program ◽  
Space Transformation ◽  
Floor Plans ◽  
The Government ◽  
Residential Space

The government is currently conducting programs to provide subsidized housing in order to meet the needs of low-income people. Some of the houses provided have, however, been modified by the residents to ensure proper and effective implementation of their activities and this indicates a benchmark of the dissatisfaction of the residents and omission of a particular thing in the initial design of the subsidized housing program provided by the government. The Grand Permata Residence II Housing used as a case study has a house with type 36/91 m2 and 13 out of 14 respondents have transformed their residential space according to their economic capacity as low-income people. This study was, therefore, conducted to map the residential space transformation of the subsidized housing program provided by the government and determine the causative factors. Primary data were obtained in the form of designs and photos of space transformation through direct observation and interviews with residents while secondary data were in the form of initial floor plans retrieved from the housing manager and analyzed using descriptive analysis techniques. The findings serve as an evaluation for the government in designing subsidized housing which meets the target and needs of low-income people.

scholarly journals Pengaruh Program Bantuan Stimulan Perumahan Swadaya (BSPS) Pada Masyarakat di Kelurahan Lowulowu Kecamatan Lealea Kota Baubau

2020 ◽  
Vol 5 (2) ◽  
pp. 73-81
Author(s):  
Kuflia Muak Hara
Keyword(s):  
Environmental Impacts ◽  
Low Income ◽  
Building Materials ◽  
Research Problem ◽  
Government Program ◽  
Self Help ◽  
Poor Families ◽  
The Government ◽  
The City

The house renovation program is one of the programs of the government in an effort to provide protection to poor families in order to improve the level of welfare of poor families. This program is carried out in the form of providing building materials along with builders and technicians to build or renovate homes that are not livable and do not meet the health requirements of being livable. This study aims to address the research problem of the socio-economic and environmental impacts of a government program called Self-Help Housing Stimulant Assistance (BSPS) for low-income people in the City of Baubau especially in Sub-Lowulowu. The BSPS program provides a fairly good change and impact. The BSPS program improves the quality of residents' homes and increases welfare.

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