PENGARUH KEBIJAKAN PEMERINTAH MEMBANGUN SATU JUTA RUMAH PADA KINERJA KPR DAN KPA BANK-BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA SELAMA PERIODE 2015-2017
Laely Purnamasari, Nugraha

Universitas Pendidikan Indonesia

Abstract

EFFECT OF GOVERNMENTS POLICY TO BUILD ONE MILLION HOUSES ON PERFORMANCE OF HOUSING AND APERTMENT CREDITS OF BANKS LISTED IN INDONESIA STOCK EXCHANGE DURING PERIOD 2015-2017


Laeli Purnamasari1, Nughraha2
Post graduated Students Education University of Indonesia1, Lecture Education University of Indonesia2
Email: laelyjuli74@gmail.com, nugraha@upi.edu
Management Science Department of Posgraduate School Education University of Indonesia


Abstract

The Ministry of Public Works and Peoples Housing through the Directorate General of Housing Financing estimates that by 2025 the number of home needs in Indonesia will reach 30 million units based on the calculation of housing needs (backlog) on population growth. In 2015, the number of One Million House Development Program achievements is 700 thousand units, in 2016 reaches 805,169 units of houses and by 2017 onwards it is hoped can reach the target figure of 1 million homes per year. The main problem in the development of housing or the property sector is the availability of land and the purchasing power of various communities. Government policies related to the development of 1 million homes accompanied by ease of licensing of the land sector and subsidies such as liquidity facilities for housing finance (FLPP) that stimulate the banking sector and other financial institutions to finance the property sector. Residential segment, which is apartment and housing become the biggest contributor of national property capitalization value reaching 55,8%. The growth rate of capitalization value of residential sector reached 16.5%, from Rp 152.7 trillion in 2016 to Rp 177.9 trillion in 2017. This paper focusing on the performance of KPR and KPA during the period 2015-2017 of the Banks listed in the Indonesia Stock Exchange.

Keywords: Housing backlog, 1 million houses program, housing loan liquidity facility, credit performance, property

Keywords: Backlog Perumahan, Program 1 juta rumah, fasilitas likuiditas pembiayaan perumahan, kinerja kredit, properti.

Topic: Financial Management and Accounting