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 Dampak Program Keluarga Harapan (PKH) terhadap Kesejahteraan Keluarga di Desa Padang Seurahet Kecamatan Johan Pahlawan Kabupaten Aceh Barat

2021 ◽  
Vol 7 (2) ◽  
pp. 92
Author(s):  
Lia Muliana ◽  
Mursyidin Mursyidin ◽  
Muharriyanti Siregar
Keyword(s):  
Low Income ◽  
Family Welfare ◽  
Transfer Program ◽  
Family Needs ◽  
Social Significance ◽  
Study Results ◽  
The Family ◽  
Low Income Families ◽  
The Government ◽  
The Impact

The Family Hope Program (PKH) is a conditional cash transfer program for low-income families. The requirement is to be actively involved in education and health. The Family Hope Program in Indonesia was implemented in 2007 to alleviate poverty and prosper low-income families. The research and writing of this journal aim to determine the impact of PKH on family welfare and see if there is a reduction in poverty after the government realizes the Family Hope Program. This study uses a qualitative method with a descriptive approach. The study results indicate that the impact of PKH on beneficiary families, including the cash provided, can meet consumption or family needs and help the economy of PKH recipient families. The implementation of the program can reduce poverty in Aceh. The percentage of the poverty rate fell to 0.02%. The limitation of the research is the impact of PKH on family welfare and wants to examine whether there is a decrease in the percentage of poverty in Aceh or Aceh Barat. The practical implication of this research is to provide information to the government that PKH can improve the welfare of low-income families. The social significance is to give the government and the general public that the implementation of social assistance programs, one of which is the Family Hope Program, can reduce poverty rates in Aceh or West Aceh. The originality of the research is supported by previous research related to the author’s research study.

scholarly journals Food Decisions of Low-Income Families in the Era of COVID-19: A Qualitative Exploration

2021 ◽  
Vol 5 (Supplement_2) ◽  
pp. 250-250
Author(s):  
Eleni Spyreli ◽  
Michelle McKinley ◽  
Jayne Woodside ◽  
Colette Kelly
Keyword(s):  
Northern Ireland ◽  
Low Income ◽  
Rural Areas ◽  
Economically Disadvantaged ◽  
Food Shopping ◽  
Food Planning ◽  
Low Income Families ◽  
The Government ◽  
The Impact ◽  
Disadvantaged Families

Abstract Objectives The first lockdown enforced in the United Kingdom to limit the spread of COVID-19 had serious financial consequences for some lower-income households, which were already at risk of suboptimal food choices. Particularly in Northern Ireland, where 10% of the population live in food insecure households, the pandemic has potentially further exacerbated the nutritional challenges experienced by low-income families. This paper aimed to explore the impact of the COVID-19 lockdown on food-related decisions as experienced by economically disadvantaged families in Northern Ireland, UK. Methods A qualitative study collected data through online individual interviews. Participation was open to parents of children 2–17 years old who self-identified as living on a tight budget in urban and rural areas of Northern Ireland. A sampling matrix enabled equal representation of single- and two-parent households, as well as younger (<12 y) and older children (>12 y). Photovoice and participatory mapping techniques were employed to capture participant data. A thematic approach was utilised for data analysis. Results A total of 12 interviews were conducted. Five distinct themes were found, reflecting families’ food-related decisions that were affected by the COVID-19 lockdown: 1) food planning; 2) food purchasing; 3) meal preparation; 4) eating and feeding behaviours and 5) eating food prepared outside the house. Changes included an increase in home food preparation, but also in unhealthy snacking. Fear of being exposed to carriers of the virus led to infrequent food shopping and greater reliance on supermarket home deliveries. Long waiting times in-between food shops encouraged food planning but were also a barrier to providing daily fresh foods including fruit and vegetables to their families. Financial constraints were exacerbated during lockdown and led to a search for new ways to budget when food shopping. Food donations from the community and the government were important to maintain food security, particularly in single-parent families. Conclusions This study highlights that the COVID-19 lockdown influenced a broad range of dietary decisions of economically disadvantaged families and offers an insight into the nutritional challenges they experienced. Funding Sources The work was completed with financial support from internal funds of Queens University Belfast.

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.

The COVID-19 Pandemic: Key Factors in Canada’s Social Policy Development

2021 ◽  
pp. 73
Author(s):  
Maria Solyanova
Keyword(s):  
Low Income ◽  
Policy Development ◽  
Social Protection ◽  
Vulnerable Groups ◽  
Social Dimensions ◽  
Key Factors ◽  
Skilled Workers ◽  
Low Income Families ◽  
The Government ◽  
Near Future

Many studies focus on the COVID-19 pandemic, response mechanisms and response design. At the same time, it becomes more and more obvious that not only the study of economic policy and decisions made by the government in connection with the pandemic is acquiring relevance. As the spread of the disease continues, social problems and difficulties that political elites will have to deal with are exposed in Canadian society. Despite the fact that the government has taken unprecedented measures to expand assistance and social protection to the most vulnerable groups – low-income families, women, senior citizens, young people and children, low-skilled workers, self-employed, people with disabilities, etc. – the pandemic, however, has had a profound impact on society. The government will be forced to adapt its policies in the field of social protection and labor relations, in the field of health and education. This article seeks to explore the key social dimensions of the COVID-19 pandemic, as well as factors that can influence the political decisions of the Canadian elite in the near future.

scholarly journals Investing in Couple Relationship Education in the UK: A Gender Perspective

2013 ◽  
Vol 14 (1) ◽  
pp. 1-14 ◽  
Author(s):  
Liz van Acker
Keyword(s):  
Low Income ◽  
Population Level ◽  
Work And Family ◽  
Couple Relationship ◽  
Relationship Education ◽  
Liberal Democratic ◽  
Couple Relationship Education ◽  
Low Income Families ◽  
The Government ◽  
The Uk

The UK Conservative–Liberal Democratic Coalition government has declared that marriage is imperative for society. This article examines couple relationship education (CRE), which aims to strengthen marriage and relationships. It argues that these programmes have potential because they offer opportunities for women and men to enhance their relationships through adult education that develops relationship skills and knowledge. For CRE to have a population level impact, however, knowledge of how to promote access to services designed for disadvantaged or vulnerable couples is critical. Gender disadvantage interacts with class, ethnicity, age and disability. Advocating marriage per se is too simplistic a solution to the complex problems of couples with diverse needs or low-income earners. If the government is serious about wanting to strengthen relationships and marriage, CRE would be a better investment if it was coordinated with policies and services such as balancing work and family and alleviating problems for low-income families.

Subsidized Housing With Services to Address Concentrated Disadvantage

2015 ◽  
Vol 50 (2) ◽  
pp. 295-314
Author(s):  
Daniel Brisson
Keyword(s):  
Public Housing ◽  
Social Services ◽  
Low Income ◽  
Subsidized Housing ◽  
Standardized Assessments ◽  
Evidence Based ◽  
Public Administrators ◽  
Concentrated Disadvantage ◽  
Housing Provision ◽  
Low Income Families

The issue of poverty is exacerbated by the concentration of low-income families in neighborhoods of concentrated disadvantage. Public administrators in housing and social services are uniquely situated to address poverty and concentrated disadvantage through an explicit housing with services agenda. This article provides a theoretical and empirical review of issues associated with poverty and concentrated disadvantage from the perspective of subsidized housing provision. The review leads to the recommendation that administrators provide housing with services. The article finishes with an agenda for placing standardized assessments that are connected to evidence-based services within the delivery of public housing.

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 The Impact of Higher Education Loan System among Students from Low-Income Background in Tanzania

2018 ◽  
Vol 14 (28) ◽  
pp. 39
Author(s):  
Watende Pius Nyoni
Keyword(s):  
Higher Education ◽  
Low Income ◽  
Relevant Literature ◽  
Access To Higher Education ◽  
Means Testing ◽  
Operational Mechanism ◽  
Low Income Families ◽  
The Government ◽  
The Impact ◽  
The Needy

In spite of the initiatives which have been taken by the government of Tanzania towards access to higher education for qualified students who came from low - income backgrounds, the studies and real situation reveal the reality of how this group of people has been denied to parity and fair for accessing higher education. Thus, Tanzania government has established Higher Education Students Loans Board with the Act No.9 of 2004 aiming at giving assistance to the students who got admission in universities, but came from low-income families with no financial strength to support their schooling. However, since its inception higher education loans board had failed to identify students from low-income background resulting in some students dropping out or postpone their studies as they look for other sources of funds. This article is qualitative in nature with the use of document analysis technique. The author uses relevant literature, officially published statistical data and various theoretical justifications for examining the impact of HE loan towards students from low-income background. The results of this study identified some challenges leading to a misallocation of fund to the needy students, application of Means Testing being one of them. Meanwhile, the author concludes with careful planning and effective use of means testing with a sustainable operational mechanism which will address the issue of parity and justice for the needy students in accessing higher education in Tanzania.

scholarly journals Sustainability analysis of new household connections to the municipal sewage collection network in Paraná

2020 ◽  
Vol 15 (1) ◽  
pp. 1
Author(s):  
Marlene Alves de Campos Sachet ◽  
Patrícia Bilotta
Keyword(s):  
Low Income ◽  
Objective Evaluation ◽  
Public Works ◽  
Municipal Sewage ◽  
Environmental Intervention ◽  
Environmental Initiatives ◽  
Sanitation Services ◽  
Development Goals ◽  
Low Income Families

  The implementation of sewage collection systems alone does not guarantee public health, since households must be correctly connected to the network in order to derive any benefit from these public works. In order to ensure an environmental and social return on investments in sanitation, a) population must be instructed concerning the role of each citizen, and b) companies responsible for the provision of water and sewage services must be managed in a coordinated and participative manner. This study sought to understand why many households do not respond promptly to the “Connect to the Network” program in the state of Parana and how much the further efforts cost to the sanitation company to regularize this problem. The methodology consisted of analyzing the program’s socio-environmental intervention strategies, interviews and service reports for 17 projects (13,286 household connections). The results: no projects achieved 100% of household connections; total connections were less than 80% in 40% of the projects; the additional cost of re-implementing social and environmental initiatives was R$ 680,000.00. We recommend that user representatives be allowed to participate in the network-deployment process, that social awareness and mobilization strategies be expanded and diversified, and that free home connections be completed for low-income families. This study may aid development agencies to arrive at a standardized methodology for the objective evaluation of socio-environmental initiatives that are to be carried out within the community; it may also aid in the fulfillment of Sustainable Development Goals (SDG), particularly Goal 6 (sanitation services for the entire population).

Analysis Of Perception Of Rural People Towards Socio-Economic Impact Of Financial Inclusion – A Case Study Analysis

GIS Business ◽  
2020 ◽  
Vol 15 (1) ◽  
pp. 278-291
Author(s):  
Dr. Parasharam. A. Patil ◽  
Dr. R. A. Sathish
Keyword(s):  
Economic Impact ◽  
Financial Institutions ◽  
Low Income ◽  
Policy Development ◽  
Regulatory Reform ◽  
Financial Inclusion ◽  
Rural People ◽  
Low Income Families ◽  
The Government ◽  
Socio Economic Impact

The governments of India and other developing countries have made Financial Inclusion a priority – evidenced by policy development, regulatory reform and new funding vehicles. The government of India has set a target of reaching full inclusion by 2015. These objectives will be achieved through financial instruments, such as micro credit, which has achieved positive results, helping thousands of the world’s poor to lift themselves out of poverty. This paper examines the socio-economic impact of financial inclusion on rural people in Goa.   It is now well understood that financial inclusion helps the poor in more viable and profitable way by providing them ability to do business with banks and other financial institutions. The provision of uncomplicated, small, affordable products can help bring low-income families into the formal financial sector. Taking into account their seasonal inflow of income from agricultural operations, migration from one place to another, and seasonal and irregular work availability and income, the existing financial system needs to be designed to suit their requirements. Mainstream financial institutions such as banks have an important role to play in this effort, not as a social obligation, but as a pure business proposition.  

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