Indonesia Conference Directory

Home is a basic human need. One of the ease of obtaining houses for Low-income Households (LIH) is a subsidized housing program. This program aims to make it easier for LIH to buy and occupy a decent house through a Subsidized Housing Mortgage (SHM). As of the end of 2017, the Government channeled funds of more than 32 trillion rupiah to finance 846,406 housing units through SHM. The problems that occur in the field are that there are still many houses that are not/have not been occupied by their owners. This study aims to determine the effectiveness of subsidized housing occupancy and the factors that influence it. Primary data collection through observation and interviews with homeowners. The results showed that only 73.65% of the houses were occupied by their owners. Of the number of houses occupied, only a small number of owners directly inhabit after signing the SHM contract. Based on factor analysis, there are at least 4 main factors that affect the housing occupancy of the subsidized namely the quality of houses, housing facilities, housing locations, and personal factors of the owner.