Analisis Program KPR Rumah Bersubsidi terhadap Sarana Prasarana Masyarakat Berpenghasilan Rendah (MBR) Perumahan Samesta Pasadana by Perumnas

Ahmad Bayhaqi, Afifah Nur Fatinah, Irsad Fadil, Rahma Sari Hidayat, Sri Hasniar Rahayu, Lucy Yosita

Abstract


The government has a responsibility to fulfill the housing needs of its citizens. In its efforts, the government holds a subsidized Home Ownership Credit (KPR) program. Perumnas is one of the developers that also supports the subsidy program by providing housing for Low-Income Communities (LIC). In this research, the author analyzes the subsidized mortgage program at Samesta Pasadana by Perumnas and the facilities and infrastructure provided. The research uses qualitative methods to analyze data sourced from observations, interviews, and literature studies on the subsidized mortgage program. The results of the study indicate that the subsidized mortgage system has been implemented by regulations at Samesta Pasadana Housing to assist Low-Income Communities (LIC). The facilities and infrastructure available to the housing community are adequate, although they are still basic and some are under construction.


Keywords


Facilities and Infrastructure; Low-Income Communities (LIC); Samesta Pasadana; Subsidized housing; Subsidized mortgage;

Full Text:

PDF

References


Alanshari, F., & Marlius, D. (2018). Prosedur Pemberian Kredit KPR Pada PT. Bank Tabungan Negara (Persero) TBK Cabang Pembantu Bukittinggi.

Bramantyo, Tyas, W. P., & Argyantoro, A. (2019). Aspek Kualitas Rumah Subsidi pada Program Rumah Murah Berdasarkan Perspektif Penerima Manfaat Studi Kasus: Perumahan Subsidi Mutiara Hati Semarang. Jurnal Permukiman, 14(1), 1-9.

Epiwardi, Ruwah Joto, & Muhammad Urfan Barran Rusyda Marzuq. (2023). Analisis Perencanaan Sistem Jaringan Distribusi Listrik dan Perkembangan Beban Pada Perumahan The Grand Kenjeran Surabaya. Elposys: Jurnal Sistem Kelistrikan, 9(3), 146–154. https://doi.org/10.33795/elposys.v9i3.649

Fatwa DSN-MUI, Nomor O4/DSN-MUI/2000 Tentang Murabahah, https://tafsirq.com/fatwa/dsn-mui/murabahah

Helmi, Y. (2023). Analisis Pembiayaan Perumahan Bersubsidi Bagi Masyarakat Berpenghasilan Rendah Pada Bank BTN Kantor Cabang Jember.

Kasmir. (2016). Pengantar Manajemen Keuangan: Edisi Kedua. Prenada Media. https://books.google.co.id/books?id=lW9ADwAAQBAJ

KepmenPUPR. (2021). KEPUTUSAN MENTERI PEKERJAAN UMUM DAN PERUMAHAN RAKYAT REPUBLIK INDONESIA NO.995/KPTS/M/2021.

Nugroho, B A A; Satriavie, N. (2015). Kebijakan Pembiayaan Kredit Perumahan Rakyat (KPR) Sejahtera Susun Sebagai Solusi Kebutuhan Perumahan Masyarakat Berpenghasilan Rendah (MBR) Pada Bank Tabungan Negara (BTN) Cabang Solo ... ISSN : 0215-3092. Gema, XXVII(50), 2009–2017.

Peraturan Menteri Pekerjaan Umum Dan Perumahan Rakyat Republik Indonesia No.42 Tahun 2015 Tentang Bantuan Uang Muka

Ragazza, E. A. P., Kusumastuti, K., & Miladan, N. (2023). Pemenuhan standar layak huni infrastruktur lingkungan pada Perumnas Jeruksawit Permai di Kecamatan Gondangrejo, Kabupaten Karanganyar. Region: Jurnal Pembangunan Wilayah dan Perencanaan Partisipatif, 18(2), 427-446.

RISTA, R. E., & PRASETIONO, P. (2016). PROSEDUR PENGAJUAN KREDIT YASA GRIYA (KYG) PT. BANK TABUNGAN NEGARA (Persero) Tbk. KANTOR CABANG SEMARANG (Doctoral dissertation, Sekolah Vokasi).

Rivai, H. V. (2006). Credit management handbook: teori, konsep, prosedur, dan aplikasi: panduan praktis mahasiswa, bankir, dan nasabah / H. Veithzal Rivai, Andria Permata Veithzal. https://api.semanticscholar.org/CorpusID:161931422

Sabaruddin, A. (2023). Ekosistem Perumahan. PT Kanisius.

Saleh, A. (2022). Rekomendasi Hunian KPR Subsidi Terbaik dengan Metode SMART(Simple Multi Attribute Rating Technique). MEANS (Media Informasi Analisa dan Sistem), 7(2).

Saputra, Y. (2017). STUDI PERUBAHAN TINGKAT KEPUASAN PENGHUNI PERUMAHAN SEDERHANA AKIBAT PERKEMBANGAN KAWASAN (KASUS: PERUMNAS BUMI KARAWACI, TANGERANG). Jurnal Muara Sains, Teknologi, Kedokteran dan Ilmu Kesehatan, 1(1), 236-243.

Siregar, F. H., & Wirananda, H. A. (2023). Analisis Sistem Pembiayaan KPR Pada Bank BTN (Studi Kasus Bank BTN Kantor Cabang Medan). MSEJ, 4(1). https://perkim.id/pembiayaan-perumahan/pembiayaan-mikro-perumahan/ https://pembiayaan.pu.go.id/faq/faq/p/53-mengapa-perlu-pembiayaan-mikro-perumahan




DOI: https://doi.org/10.17509/jaz.v7i3.71302

Refbacks

  • There are currently no refbacks.


Copyright (c) 2025 Ahmad Bayhaqi

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.