Towaf Totok Irawan, Dicky Firmansyah

Judul	:	Sustainability Challenges in TAPERA Program
Abstrak	:	Abstract. TAPERA is a housing finance program through the fertilization and utilization of community funds which are used for the construction and improvement of community housing in a sustainable manner. Since TAPERA is a long-term program, one of the important issues is sustainability. The purpose of this study was to analyze the challenges of the sustainability of the TAPERA Program as indicated by the financial position (surplus or deficit) and queue of participants. Projection of the sustainability of the program is carried out through simulations adapted from the model developed by the Directorate of Housing Financing Team, Ministry of Public Works and Public Housing of the Republic of Indonesia. The study results show that the critical number of TAPERA funds is mainly influenced by the allocation of fertilization and utilization. Based on the simulation of a sustainable program, an optimistic scenario is applied with an allocation of 65% utilization and 35% fertilization. On the other hand, the growth in the number of participants in the queue (waiting list for TAPERA benefits) is above the growth in the number of beneficiaries. This is a burden for TAPERA in the future. Under these conditions, the policies that must be considered are adjustments to the level of savings and subsidies for participants.
Tahun	:	2021	Media Publikasi	:	Prosiding
Kategori	:	Prosiding	No/Vol/Tahun	:	tidak ada / tidak ada / 2021
ISSN/ISBN	:	tidak ada
PTN/S	:	Universitas Pakuan	Program Studi	:	MANAJEMEN
Bibliography	:	References [1] Norizan Rameli et al. 2019. Housing Programmes And Urbanization: A Comprehensive Literature. Journal of Techno Social Vol. 11 No. 2 (2019) p. 17-23. [2] Abdel Raheem et al. 2020. Analyzing affordable housing programs and projects in Egypt in the light of the positives of global experiences. Journal of Modern Research 2 (2020) 66-83. [3] Henriko Ganesha Putra, et al. 2019. Tabungan Perumahan Rakyat (Tapera) Dan Penerapannya di DKI Jakarta. Jurnal Muara Sains, Teknologi, Kedokteran, dan Ilmu Kesehatan Vol. 3, No. 2, October 2019: 321-332. ISSN-L 2579-6410. [4] Wahyudi, N. L. 2019. Optimizing of Public Housing Financing Policies for Low Income Community in Indonesia: Conceptual Approach. Archives of Business Research, 7(1), 230-244. DOI: 10.14738/abr.71.5982. [5] Saidu, Aliyu Ibrahim and Yeom, Chunho. 2020. Success Criteria Evaluation for a Sustainable and Affordable Housing Model: A Case for Improving Household Welfare in Nigeria Cities. Sustainability 2020, 12, 656; doi:10.3390/su12020656. [6] Anacker, Katrin B. (2019) Introduction: housing affordability and affordable housing, International Journal of Housing Policy, 19:1, 1-16, DOI: 10.1080/19491247.2018.1560544. [7] Suryanto et al. Analysis of Housing Finance Policies For Low-Income Community In West Bandung, West Java Province, Indonesia. Humanities & Social Sciences Reviews, Vol 7, No 4, 2019, pp 1038-1045. eISSN: 2395-6518. [8] A.O. Oyebanji et al. (2017). Critical Success Factors (CSFs) for achieving sustainable social housing (SSH). International Journal of Sustainable Built Environment 6 (2017) 216–227. [9] Peer Smets & Paul van Lindert. 2016. Sustainable housing and the urban poor, International Journal of Urban Sustainable Development, 8:1, 1-9, DOI: 10.1080/19463138.2016.1168825. [10] Lulut Indrianingrum. 2016. Rencana Kepemilikan Rumah Bagi Masyarakat Berpenghasilan Rendah (Studi Kasus Kelurahan Tanjungmas Kota Semarang) Jurnal Teknik Sipil & Perencanaan, Nomor 1 Volume 18 –Januari 2016, hal: 15 – 20. [11] Martin Roestamy (2017). Providing Affordable Housing For Low-Income People In Indonesia (Development Of Model On Housing Law). IJASOS- International E-Journal of Advances in Social Sciences, Vol. III, Issue 9, December 2017. [12] Undang-Undang Republik Indonesia Nomor 4 Tahun 2016 Tentang Tabungan Perumahan Rakyat. [13] Undang-Undang Republik Indonesia Nomor 1 Tahun 2011 Tentang Perumahan dan Kawasan Permukiman. [14] Undang-Undang U No. 13/2003 Tentang Tenaga kerja. [15] Peraturan Bank Indonesia No.17/19/PBI/2015 tentang Perubahan Kedua Atas Peraturan Bank Indonesia Nomor 10/13/PBI/2008 Tentang Lelang dan Penatausahaan Surat Berharga Negara. [16] Peraturan Pemerintah RI Nomor 78/2015 tentang Pengupahan. [17] Fabozzi, Frank J. , Markowitz, Harry M. (Editors). 2002. The Theory And Practice Of Investment Management. John Willey & Sons, Inc. Hoboken, New Jersey. Isbn: 0-471-22899- 0
URL	:	http://bapenda.malukutenggarakab.go.id/bapenda/e_sppd/slot-dana/index.html