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Documenti di Professioni
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Prepared by:
Dr. Eugenia Mardanugraha, Ssi, ME
Farma Mangunsong, SE, ME
(LPEM FEUI)
For:
Habitat for Humanity
I.
Introduction
Housing policy in Indonesia is conducted at national and local
II.
year 2010-014, with the budget of Rp. 12 billion during 2010-2014 to execute
this program.
50,000,000
8.15
60,000,000
8.25
70,000,000
8.35
80,000,000
8.5
50,000,000
8.15
60,000,000
8.25
70,000,000
8.35
80,000,000
8.5
90,000,000
9.25
100,000,000
9.35
110,000,000
9.5
120,000,000
9.65
130,000,000
9.8
135,000,000
9.95
90,000,000
9.25
100,000,000
9.35
110,000,000
9.5
120,000,000
9.65
Name of program
130,000,000
9.8
135,000,000
9.95
Source: Ministry of Public Housing (2011). Average exchange rate is Rp. 9000 per USD
The interest rate specified in the table above is already quite high,
because the market interest rate is getting lower along with the
improvements of Indonesian economy. The difference between market and
subsidized interest rate is about 2-3%. The market interest rate for several
national private banks in Indonesia is shown in Table 4.2 below.
Table 4.2
Market interest rate for housing loan
Bank's Name
Description
Bank Mandiri
11.75
BNI
11.80
BCA
7.50
Private bank
BII
11.75
Private bank
Danamon
12.5
Private bank
Permata
12.0
Private bank
ANZ-Panin
10.68
Private bank
BRI
10.22
BTN
11.69
CIMB Niaga
11.30
Figure 4.1
Non Performing Loan Commercial banks 2011
2.92
2.85
2.81
2.78
2.77
Jan
V.
Feb
Mar
Apr
May
Jun
2.77
2.76
2.74
Jul
Aug
Residential infrastructure
In 2010-2014, the government would build 685,000 what they called
healthy simple house (Rumah sehat sederhana - RSh), 180 flat that can be
owned by the dwellers and 650 twin including block residential facilities that
support 836,000 poor families in 2012. The funds used were valued at Rp 50
trillion from national budget. As for flats, good simple flats owned or simple
flats rent reached 200,000 units with a value of Rp30 trillion. The total value
of market capitalization for the government-backed housing construction by
the year 2014 reached Rp80 trillion.
The detail of simple healthy home construction until 2014 is shown in
Table 5.1 below.
Table 5.1
Simple house development planning
The habitable houses
year
Formal
New development
2010
150,000
2011
Increasing quality
Special house
KPRS
BLM
7,500
30,000
7,500
250
180,000
12,500
40,000
12,500
750
2012
210,000
16,250
50,000
16,250
1,050
2013
210,000
7,500
60,000
7,500
1,350
2014
200,000
6,250
70,000
6,250
1,600
Besides houses, the government also builds apartments. There are 2 types of
apartments, apartments for rent and for sell to the public. Table 5.2 contains
the following development plan flats Year 2010-2014.
Table 5.2
Apartments development planning
rental apartment
Year
in slums area
owned apartment
tower
tower
tower
unit
unit
unit
2010
100
9600
40
3960
60
30000
2011
100
9600
71
7041
60
30000
2012
100
9600
71
7041
60
30000
2013
40
3840
53
5200
60
30000
2014
40
3840
35
3458
60
30000