WESTSCIENCE PRESSWESTSCIENCE PRESS

West Science Law and Human RightsWest Science Law and Human Rights

This study conducts a normative juridical analysis of the TAPERA Programme, established by Government Regulation No. 21 of 2024, focusing on its efficacy in increasing the availability of housing for low-income communities in Indonesia. The TAPERA Programme aims to address housing affordability by encouraging savings among low-income individuals and providing financial assistance for housing needs. This research examines the legal framework, operational mechanisms, and regulatory environment of the programme, assessing its alignment with national housing policies and its potential impact. The findings indicate that while the TAPERA Programme holds significant promise due to its inclusive approach and emphasis on sustainability, challenges related to participation rates, implementation efficiency, and regulatory coherence need to be addressed. This analysis contributes to a deeper understanding of the legal and regulatory dimensions of housing policies in Indonesia, providing insights for policymakers and stakeholders involved in housing development for low-income communities.

The TAPERA Programme represents a pivotal initiative in Indonesias efforts to improve housing affordability for low-income communities.By fostering a culture of savings and providing a structured financial mechanism for housing acquisition, the programme addresses some of the key barriers to homeownership faced by this demographic.Ensuring effective implementation and addressing several identified challenges are essential for maximizing the programmes impact.The inclusivity of the TAPERA Programme, targeting both formal and informal sector workers, is a significant strength.

Berdasarkan analisis terhadap latar belakang, metode, hasil, keterbatasan, dan saran penelitian lanjutan yang ada, beberapa saran penelitian lanjutan yang baru dapat diajukan. Pertama, penelitian lebih lanjut dapat dilakukan untuk mengeksplorasi dampak program TAPERA terhadap perilaku menabung masyarakat berpenghasilan rendah, dengan fokus pada faktor-faktor yang memengaruhi tingkat partisipasi dan keberlanjutan tabungan. Hal ini penting untuk memahami apakah program ini benar-benar efektif dalam mendorong kebiasaan menabung jangka panjang. Kedua, penelitian kuantitatif dapat dilakukan untuk mengukur secara empiris dampak program TAPERA terhadap penurunan backlog perumahan dan peningkatan akses kepemilikan rumah bagi masyarakat berpenghasilan rendah di berbagai daerah di Indonesia. Pengukuran ini perlu mempertimbangkan faktor-faktor lain yang memengaruhi ketersediaan perumahan, seperti harga tanah dan biaya pembangunan. Ketiga, penelitian kualitatif dapat dilakukan untuk menggali persepsi dan pengalaman masyarakat berpenghasilan rendah terhadap program TAPERA, termasuk tantangan yang dihadapi dalam berpartisipasi dan manfaat yang dirasakan. Hasil penelitian ini dapat memberikan masukan bagi perbaikan program dan peningkatan efektivitasnya dalam mencapai tujuan yang diharapkan. Dengan menggabungkan ketiga saran penelitian ini, diharapkan dapat diperoleh pemahaman yang lebih komprehensif tentang dampak program TAPERA dan memberikan dasar bagi pengembangan kebijakan perumahan yang lebih efektif dan inklusif di masa depan.

  1. Implications of Housing Corporations’ Capacity on Successful Delivery of Mass Housing Programmes... ajol.info/index.php/etsj/article/view/252021Implications of Housing CorporationsAo Capacity on Successful Delivery of Mass Housing Programmes ajol index php etsj article view 252021
  2. The Housing Financing Policy and Its Impacts on Low-Income Communities and Indonesian Economy | Widyastutik... ejournal.unisba.ac.id/index.php/mimbar/article/view/9663The Housing Financing Policy and Its Impacts on Low Income Communities and Indonesian Economy Widyastutik ejournal unisba ac index php mimbar article view 9663
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