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MICRO CREDIT SYSTEM FOR HOUSING FINANCE IN COMPREHENSIVE-KIP SOCIAL REHABILITATION ON SLUMS AREA PROGRAM IN SURABAYA

 

Dewi Septanti

Laboratory for Housing and Human Settlements Department of Architecture Institute of Technology Sepuluh Nopember, Surabaya, Indonesia

 


ABSTRACT

 

Comprehensive Kampung Improvement Programme and Social Rehabilitation on Slums Area Programme improving the quality of kampung environment, it also focus on social and economic aspect of the kampung through community empowerment. The programmes based on three authority : optimizing the society, economy and environmental.

Both of the programmes have the component program to improving the quality of the house. The problems is the fund allocation for housing improvement was not appropriate with the allocation fund for housing improvement. Based on data from the programme, it was shown that people who use the loan for repairing their house (housing improvement) was less than the use for small scale business capital.

This program was run with less budget, and the budget was inadequate for the community. The first time when the facilitator come to the community and give the socialization about the program, the community did not care. But finally they understand that the program would be very useful for low income people. In the fact, many poor family could not be covered by this program.

Keywords: microcredit, comprehensive kip, slums area