Implementation of the Prosperous Home Credit Policy in Minahasa Regency
DOI:
https://doi.org/10.70742/asoc.v1i4.381Keywords:
Policy, Home Credit, Prosperity, MinahasaAbstract
This research uses a qualitative approach with a case study. This approach aims to gain a deep understanding of the meaning and dynamics of the implementation of the Prosperous Home Ownership Credit (KPR Sejahtera) program. Implementation of the Prosperous KPR policy for MBR with non-fixed incomes in Minahasa Regency, The current program is not inclusive. Banking schemes and procedures—which require formal proof of income (pay slips, tax returns, bank statements)—exclude informal sector low-income earners, even those with the ability to make installment payments. This creates an exclusion error, making the program more effective for low-income earners, but failing to reach the core target group of low-income earners. Consequently, the program's achievements risk insignificantly reducing the housing backlog.
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