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All Journal Jurnal Ekonomi Pembangunan Journal of Social Political Sciences (JSPS)
Ika, Syahrir
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Policy Scheme for Housing Provision in Improving Welfare: A Case Study on ASN (State Civil Apparatus) Ika, Syahrir; Nasution, Lokot Zein
Jurnal Ekonomi Pembangunan Vol 17, No 1 (2019): JURNAL EKONOMI PEMBANGUNAN
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (842.839 KB) | DOI: 10.22219/jep.v17i1.9429

Abstract

Provision of decent and affordable housing in Indonesia has been faced with difficulty due to lower level of housing accessibility from the housing schemes submitted to the free market. Limited access to housing presents a significant impact on low level of community welfare. Based on these problems, this study aims to analyze the proper housing provision policy scheme in improving the welfare of the community. This study raises the case of ASN as one of the with no home ownership, especially for ASN with low rank / class. Based on the results of descriptive statistical analysis, housing provision is advised to address the preferences of beneficiaries, including priorities such as: (i) easy access to public services; (ii) proximity to work location; and (iii) adjusted to the level of position. Based on the existing regulations, there are two relevant schemes, including: FLPP and Tapera schemes. However, both have limitations, particularly those related to the limitations of Low-Income Communities (MBR). If the government prefers FLPP or Tapera scheme, thus the regulation (PP) on Tapera is advised to be altered to increase the MBR income limit. The results of this study suggest the importance of further research on alternative schemes in developing the best housing finance schemes for the future.
A SYSTEMATIC LITERATURE REVIEW ON FINANCING MICRO, SMALL AND MEDIUM ENTERPRISES (MSMES) Ika, Syahrir
Journal of Social Political Sciences Vol 4 No 4 (2023): November 2023
Publisher : Universitas Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/jsps.v4i4.210

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in fostering economic growth within a nation. The significance of this role is seen in the impact of MSMEs on various aspects such as employment generation, business capital accumulation, export promotion, poverty reduction, and the mitigation of income inequality. Several studies confirm that it is challenging for MSMEs to grow and develop. The primary challenges encompass constrained financial resources and impediments in securing funding from banking institutions. Various governments across numerous countries provide fiscal support to MSMEs through the provision of guarantees and interest subsidies. This research aims to determine the concept and implementation of program credit using the Systematic Literature Review method. This research found that government intervention in MSME financing programs, both in guarantee subsidy schemes and interest subsidies, varies depending on the business phasing process, business scale, and type of business. The government usually facilitates medium-scale MSMEs with a guarantee subsidy scheme. In the interim, the government provides support to small-scale and micro-scale MSMEs through the implementation of an interest subsidy scheme. Financing MSMEs with an interest subsidy scheme is more effective, but in some cases, guarantee subsidies are more effective. Government intervention is often misdirected because the government in several countries does not yet have credit scoring and certification for MSMEs.
Co-Authors Lokot Zein Nasution, Lokot Zein