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All Journal GEMA EKONOMI Jurnal Media Akuntansi (MEDIASI) Indonesian Community Journal Basic and Applied Accounting Research Journal Indonesian Journal of Accounting and Business BERBAKTI: Jurnal Pengabdian Kepada Masyarakat Majority Science Journal Budgeting: Jurnal Akuntansi Syariah Jurnal Ilmiah Niaga Bisnis Elektronik
Hendarti Tri Setyo Mulyani
STIE IBEK Pangkalpinang
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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10.65133 ANALISIS EKONOMI BERKELANJUTAN DAN INKLUSIF TERHADAP REALISASI KPR SUBSIDI FLPP DI KEPULAUAN BANGKA BELITUNG Ramadhan; R. Manullang, Rizal; Tri Setyo Mulyani, Hendarti
Jurnal Ilmiah Niaga Bisnis Elektronik Vol 5 No 2 (2025): JURNAL ILMIAH NIAGA BISNIS ELEKTRONIK
Publisher : STIE IBEK Pangkalpinang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61533/jinbe.v5i2.431

Abstract

Abstract - This study investigates the influence of sustainable and inclusive economic factors on the realization of subsidized housing loans (KPR FLPP) in Bangka Belitung Islands, Indonesia, during 2022–2024. Despite the region facing economic slowdown, rising unemployment, and environmental degradation, KPR FLPP realization remained unexpectedly high, prompting further analysis. This study aims to examine the impact of economic growth (PDRB ADHK), beneficiary income, and open unemployment rate on KPR FLPP realization, and the moderating role of Environmental Quality Index (IKLH). Using a quantitative approach and secondary data from relevant agencies, multiple linear regression and moderated regression analysis were employed. The findings reveal that economic growth and income significantly influence KPR FLPP realization, while the unemployment rate shows no significant effect. Moreover, IKLH significantly moderates the effect of economic growth and income, strengthening their relationship with housing loan realization. These results underscore the importance of environmental quality and inclusive economic policies in supporting national housing programs, particularly in regions with complex economic and ecological conditions.
Co-Authors Angel, Brenda Caecilia Octalica Deara Shinta Lestari Dwikurnia, Ferimadhona Faustina, Amanda Fransiska, Lisia Fukita, Titania Gunawan, Feryanto Harianto, Herry Hendarti56 Iswanto, Yuni Kurnia, Evi Laurensia, Lydia Leslie, Jennifer Maharani, Yunita Medinal Medinal Nisak, Khairun Novika Oktalina, Gayatria Putri, Vanessa Ramadhan Rani Rizal R. Manullang Ryan Hasianda Pasaribu Wandari, Melanda Wijaya, Tommy Yonara, Ririn Yuni Iswanto Yunita Maharani Zamhari Zamhari