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Kessek, Nonhi Lucky
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Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Social Sciences

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Implementation of the Prosperous Home Credit Policy in Minahasa Regency Kessek, Nonhi Lucky; Tumbel, Goinpeace H.; Siwij, Devie SR
Abdurrauf Science and Society Vol. 1 No. 4 (2025): Abdurrauf Science and Society
Publisher : Yayasan Abdurrauf Cendekia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70742/asoc.v1i4.381

Abstract

This research uses a qualitative approach with a case study. This approach aims to gain a deep understanding of the meaning and dynamics of the implementation of the Prosperous Home Ownership Credit (KPR Sejahtera) program. Implementation of the Prosperous KPR policy for MBR with non-fixed incomes in Minahasa Regency, The current program is not inclusive. Banking schemes and procedures—which require formal proof of income (pay slips, tax returns, bank statements)—exclude informal sector low-income earners, even those with the ability to make installment payments. This creates an exclusion error, making the program more effective for low-income earners, but failing to reach the core target group of low-income earners. Consequently, the program's achievements risk insignificantly reducing the housing backlog.
Co-Authors Devie S R Siwij Tumbel, Goinpeace Handerson