Abstract
This study aims to examine the impact of land certificate ownership on access to loans from formal financial institutions. Utilizing data from Indonesia in 2018, we employ logistic regression analysis to investigate the relationship between land certificate ownership and loan access in the country. The examination of land certification in relation to loan access, by distinguishing types of land ownership evidence and loan types, is deemed essential. The findings indicate that the impact of land certification is less effective for low-income households. Beyond ensuring accessible and affordable land certification processes, the government should formulate policies for innovative loan schemes, such as the use of social collateral, to enhance the bankability of this social group.
Bahasa Abstract
Penelitian ini bertujuan untuk menguji dampak kepemilikan sertifikat tanah terhadap akses pinjaman dari lembaga keuangan formal. Dengan menggunakan data Indonesia pada tahun 2018, kami menggunakan metode regresi logistik untuk menguji kepemilikan sertifikat tanah terhadap akses pinjaman di Indonesia. Kajian sertifikasi tanah terhadap akses pinjaman dengan memilah jenis bukti kepemilikan tanah dan jenis pinjaman menjadi penting. Hasil penelitian menunjukkan bahwa dampak sertifikasi tanah kurang efektif bagi rumah tangga miskin. Selain menjamin biaya pengurusan sertifikat tanah yang mudah dan terjangkau, Pemerintah harus membuat kebijakan untuk skema pinjaman yang inovatif seperti penggunaan social collateral sehingga kelompok masyarakat tersebut menjadi bankable.
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Recommended Citation
Azzis, Abdul Azzis and Nuryakin, Chaikal
(2025)
"Analisis Kepemilikan Sertifikat Tanah terhadap Akses Pinjaman Rumah Tangga,"
Jurnal Kebijakan Ekonomi: Vol. 18:
No.
2, Article 5.
DOI: 10.21002/jke.2023.10
Available at:
https://scholarhub.ui.ac.id/jke/vol18/iss2/5
