BOUNDARY PARTNERS STUDY ON HOUSING FINANCING ASSISTANCE FOR LOW INCOME COMMUNITIES CASE STUDY: SAVINGS-BASED HOUSING FINANCING PROGRAM, INTEREST DIFFERENCE SUBSIDY PROGRAM, THE DOWN PAYMENT PROGRAM (DP) 0 RUPIAH

• Main Author: Rizky Wulandari, Giantry
• Format: Theses
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/43747
• Institution: Institut Teknologi Bandung

The house is a place to live or occupy as a means of fostering a family, so the house can be said to be a basic need for human beings. There are groups of people who have difficulty in fulfilling their housing needs, namely low income people (MBR). Therefore, the housing finance assistance program was rolled out by the government as a facilitation for the MBR to have decent housing. This research was conducted to evaluate the feasibility of housing finance programs with a case study of the Savings-Based Housing Financing Program (BP2BT), the Interest Difference Subsidy Program (SSB), and the Down Payment Program (DP) 0 Rupiah focusing on Boundary Partners. The analytical method used is Outcome Mapping which aims to identify outputs, identify organizational behavior, identify behavior of boundary partners, and identify outcomes in the form of changes in boundary partners behavior, which occurred in all three case studies. This study concludes that in general housing finance programs in the three case studies are still focused on output. The organizational behavior that is expected to occur based on the outcome mapping has not yet fully developed, especially in the formation of direct partners and the expected achievement of the dream. The actors identified are quite important for program development, namely the accountability system, some have not yet been formed and some have not yet developed their behavior. In addition, Outcome in case studies that are ideally in the form of behavioral changes in direct partners have not yet fully taken place due to limited quantity and scope of direct partner influence. Thus, the sustainability of the three housing finance programs depends on direct partners and expansion in the scope of influence. This is expected to accelerate interaction with end users and the transfer of responsibility and risk to the scope of control to the scope of influence and finally to the end user.