ANALISIS IMPLEMENTASI FASILITAS LIKUIDITAS PEMBIAYAAN PERUMAHAN (FLPP) DALAM PEMBIAYAAN PERUMAHAN DI INDONESIA

Permana, Made Dwi Cahaya (2024) ANALISIS IMPLEMENTASI FASILITAS LIKUIDITAS PEMBIAYAAN PERUMAHAN (FLPP) DALAM PEMBIAYAAN PERUMAHAN DI INDONESIA. Skripsi thesis, Politeknik Keuangan Negara STAN.

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Abstract

Keterbatasan akses dan ketersediaan perumahan yang terjangkau di Indonesia mencerminkan tingginya backlog kepemilikan rumah khususnya bagi masyarakat berpenghasilan rendah (MBR). Pemerintah telah berupaya dalam mengatasi permasalahan ketersediaan perumahan terjangkau melalui Program Sejuta Rumah (PSR) dan Fasilitas Likuiditas Pembiayaan Perumahan (FLPP). Tujuan penelitian adalah untuk menganalisis implementasi, permasalahan dan upaya penanganan masalah dari program FLPP yang dilaksanakan oleh Badan Pengelola Tabungan Perumahan Rakyat (BP Tapera). Penelitian ini menggunakan metode kualitatif dengan wawancara mendalam, observasi dan analisis data secara komprehensif. Hasil penelitian menunjukkan implementasi FLPP telah mencapai beberapa keberhasilan, terutama dalam aspek standar dan tujuan kebijakan, pengelolaan sumber daya manusia, finansial, dan waktu, serta peran agen pelaksana. Program FLPP memiliki tujuan yang jelas untuk meningkatkan akses pembiayaan perumahan bagi MBR melalui bank penyalur dengan indikator kinerja yang terukur. Penelitian juga mengidentifikasi sejumlah permasalahan yang perlu diperhatikan, seperti ketidaktersediaan hunian terjangkau, kendala sumber daya di BP Tapera, dinamika program dengan agen pelaksana, kuantitas supply dan demand perumahan, keberlanjutan program, serta tantangan dalam komunikasi, koordinasi, dan dampak ekonomi, sosial, dan politik. Upaya BP Tapera dalam mengatasi masalah dengan melakukan evaluasi, memanfaatkan teknologi, melibatkan pemantauan kualitas hunian, pengawasan distribusi manfaat, dan perbaikan proses rekonsiliasi dana guna memastikan program berjalan dengan baik dan transparan. Limited access and availability of affordable housing in Indonesia reflects the high backlog of home ownership, especially for low-income people (MBR). The government has made efforts to overcome the problem of affordable housing availability through the One Million Houses Program (PSR) and the Housing Financing Liquidity Facility (FLPP). The aim of the research is to analyze the implementation, problems and efforts to handle problems of the FLPP program implemented by the Public Housing Savings Management Agency (BP Tapera). This research uses qualitative methods with in-depth interviews, observation and comprehensive data analysis. The research results show that the implementation of FLPP has achieved several successes, especially in the aspects of policy standards and objectives, management of human, financial and time resources, as well as the role of implementing agents. The FLPP program has a clear focus on increasing access to housing finance for MBR through channeling banks, with measurable performance indicators. However, the research also identified a number of problems that need attention, such as the unavailability of affordable housing, resource constraints at BP Tapera, program dynamics with implementing agents, quantity of housing supply and demand, program sustainability, as well as challenges in communication, coordination and economic impact. social, and political. BP Tapera's efforts to overcome problems include conducting evaluations, utilizing technology, involving monitoring the quality of housing, monitoring the distribution of benefits, and improving the fund reconciliation process to ensure the program runs well and transparently.

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