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Jurnal Kebijakan Ekonomi

Abstract

This study examines the effect of the implementation of Kredit Pemilikan Rumah Fasilitas Likuiditas Pembiayaan Perumahan (KPR-FLPP) as subsidized mortgage on the recent migration rate and its impact for low-income households in Indonesia. Using the multiple linear regression method random effect model, this study analyzed the home ownership status of recent migrants with indicators of the average household’s per capita expenditure in the 2010-2019 Statistics Indonesia survey. The results show that the realization of KPR-FLPP has a negative effect on the migration rate. Meanwhile, the realization of KPR-FLPP has a negative effect on low-income households’ home ownerships rate, it is the same as the achievement of KPR-FLPP to reach low- income households had not been fully effective. Current evidence suggests that due to the lack of some population data information portal usage as a planning database to raise the accuracy to the low-income households as the main target. The Government of Indonesia should prioritize on the need for the formulation of subsidized mortgage policies necessary for the low-income households and encourage concerned stakeholders to develop the most appropriate policies such as the flat concept, which relevants of land-saving issues, as well as to supply the housing for low-income Keywords: rupiah movement; Chinese yuan; implicit currency basket households.

Keywords: Subsidized mortgage, Migration, Low-Income Households, Housing

Bahasa Abstract

Studi ini mengkaji pengaruh implementasi penyaluran Kredit Pemilikan Rumah Fasilitas Likuiditas Pembiayaan Perumahan (KPR-FLPP) terhadap tingkat migrasi risen dan dampaknya terhadap pemenuhan kebutuhan perumahan bagi golongan MBR di Indonesia. Menggunakan metode regresi linear berganda random effect model, penelitian ini menganalisis status kepemilikan rumah migran risen dengan indikator rata-rata pengeluaran rumah tangga per kapita dalam Susenas 2010 s.d 2019. Hasil penelitian menunjukkan bahwa realisasi penyaluran KPR-FLPP berpengaruh secara negatif terhadap minat penduduk untuk bermigrasi. Sedangkan realisasi penyaluran KPR- FLPP berpengaruh secara negatif terhadap peningkatan rumah tangga MBR untuk memiliki rumah, artinya pencapaian KPR-FLPP menjangkau golongan MBR belum sepenuhnya efektif. Alasannya yakni kurang berkembangnya portal informasi data kependudukan sebagai basis perencanaan sekaligus menguji ketepatan sasaran penyaluran KPR-FLPP bagi MBR. Oleh karena itu, pemerintah perlu meningkatkan aksesibilitas kredit jangka panjang perumahan bagi MBR dan kolaborasi bersama dengan berbagai pihak pelaku penyelenggaraan perumahan salah satunya mendorong konsep pengembangan kawasan hunian bertumbuh yang selain mampu menghemat lahan, juga untuk mendukung daya beli MBR memperoleh hunian murah.

Kata kunci: KPR Bersubsidi; Migrasi; Masyarakat Berpenghasilan Rendah; Perumahan.

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