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Lima pembelajaran dari Indonesia tentang penyediaan perumahan yang terjangkau

Dao Harrison's picture
Available in english

Berkat program subsidi pemerintah, Dewi baru saja menjadi pemilik rumah untuk pertama kalinya. Tahun lalu, Dewi pindah ke rumah barunya di Yogyakarta. Ia saat itu berpikir: semuanya sempurna.

Ternyata kenyataannya tidak demikian. Rumah Dewi berjarak satu jam dari pusat kota, jauh dari daerah perkantoran,  pusat perbelanjaan, dan sekolah untuk kedua anaknya. Dua tahun setelah perumahan selesai dibangun, lebih dari setengah rumah di sana masih kosong. Karena rumah tidak terhubung dengan sistem air setempat, dua kali seminggu Dewi harus membeli air. Saat musim banjir, Dewi mengalami kesulitan untuk mencapai rumahnya.




Penyediaan perumahan yang terjangkau dan memadai telah menjadi prioritas kebijakan utama pemerintah Indonesia dengan diluncurkannya program Satu Juta Rumah (One Million Homes). Berbagai upaya sebelumnya untuk memenuhi permintaan perumahan yang terjangkau – gabungan dari adanya  permintaan  baru secara tahunan dan pemenuhan kekurangan perumahan yang belum terlaksana - belum secara efektif membawa dampak pada skala yang diperlukan.
 
 
Sumber:  Kementerian Pekerjaan Umum, Indonesia

Tapi haruskah jumlah kepemilikan rumah menjadi indikator tunggal program subsidi perumahan yang sukses? Mungkinkah ada program yang memenuhi kebutuhan Pemerintah untuk tetap efektif biaya secara fiksal maupun ekonomi, dan sekaligus dapat merespons pasar swasta dan juga kebutuhan warga?

Saat ini berbagai pilihan sedang dieksplorasi. National Affordable Housing Program Project (NAHP) yang baru disetujui misalnya, bertujuan untuk berinovasi dalam pasar perumahan yang terjangkau dengan mengatasi kemacetan dan secara aktif melibatkan sektor swasta dalam melayani berbagai segmen yang belum tersentuh. Sejauh ini, upaya dari Indonesia ini memberikan pelajaran berharga, yaitu:

Philippines: A crucial first step to address Metro Manila’s floods

Mara Warwick's picture
A resident of the city of Manila helps clean up a creek to remove garbage that clogs drainage and waterways. (Photo: Justine E. Letargo/World Bank)
Metro Manila -- my current home -- is a metropolis of extraordinary contrast.  Referred to as the National Capital Region, it is the workhorse of the country, housing about 12.8% of the total population and producing about 38% of national GDP.  Metro Manila is a key contributor to the country’s dynamic and vibrant economy, which has been among the fastest growing in East Asia in recent years.  With glittering high rise buildings, a Starbucks on seemingly every corner, and bustling commerce wherever you look, one could be lulled into thinking that the citizens of Metro Manila all have a comfortable life.

How Islamic finance is helping fuel Malaysia’s green growth

Victoria Kwakwa's picture
Photo: bigstock/ f9photos

Income growth is not the sole aim of economic development. An equally important, albeit harder to quantify objective is a sense of progress for the entire community, and a confidence that prosperity is sustainable and shared equitably across society for the long term.  

Project Safety 101 for Kids in Tuvalu

Nora Weisskopf's picture



When I was in primary school, there was a large construction project happening on the road in front of our house. I remember it was loud, dusty and the subject of constant complaints from our neighbors. However, my most vivid memory is of all the shiny, majestic machinery being delivered by the workers in their bright orange uniforms.

There was an immediate fascination among the children with these powerful and temptingly dangerous machines. Of course our parents all drilled us with the same message – “Do not go near, do not touch, do not interfere with the nice men repairing the roads,” and so we abided, but the curiosity and thrill of potentially touching these metal monsters never entirely subsided. Luckily, working in the transport sector now I get to be around construction equipment all the time!

Upgrading Apia’s main road, a path to climate-proofing Samoa’s future

Kara Mouyis's picture
Vaitele Street, Samoa
Vaitele Street is considered the most important section of road in Samoa and in 2016, through the Enhanced Road Access Project, it received a critical upgrade and extension.


Driving from the airport into the city of Apia, the capital of Samoa, is a great introduction to the country. Villages line the road with gardens filled with colorful flowers and palm trees. Hugging the northwest coastline, the road sometimes comes as close as five meters from the shoreline, giving passengers truly spectacular views of the Pacific Ocean.

While it’s a scenic introduction to Samoa, this drive is also a stark reminder of just how sensitive the country’s coastline is to erosion and damage. More than 50% of West Coast Road, Apia’s main roadway, sits less than three meters (9.8 feet) above sea level and just a few meters from the shoreline, making it highly vulnerable to damage and deterioration. When tropical cyclones, heavy rain, king tides and storm surges hit these coastal roads, they can lead to erosion, flooding and landslips, causing road closures and threatening the safety of the people who use them.

How Ho Chi Minh City got a facelift: sustainable development solutions are changing a city

Madhu Raghunath's picture
Also available in: Tiếng Việt



When I visited Vietnam for the first time three years ago, I imagined a Ho Chi Minh City out of Hollywood movies, with panoramic buildings of French architecture, tree-lined, long boulevards and the melting pot of Indochine cuisine.

After I began working in the city as an urban professional in 2012, I quickly learned to see it as much more: a vibrant, young, hip and energetic city with a vision and determination to become a leading metropolis in East Asia, not just in Vietnam, one of the fastest-growing emerging economies in the region.

And it has taken all the right steps just to do that, combining infrastructure development with social services to make sure the city is more livable and growth more sustainable. As the World Cities Day approaches, I thought it would be useful to share the city’s experience with the world. 
 

Philippines: Traffic woes and the road ahead

louielimkin's picture
Traffic congestion results in an estimated productivity loss of around PHP2.4 billion ($54 million) a day or more than PHP800 billion ($18 billion) a year.



From my house in northern Quezon City, I drive more than two hours every day to get to the office in Bonifacio Global City, which is about three cities away where I come from, and two cities away from the capital Manila. It’s a journey that should only take around half an hour under light traffic. That is a total of four hours on the road a day, if there is no road accident or bad weather. It takes me an hour longer whenever I use the public transport system. Along with hundreds of thousands of Metro Rail Transit (MRT) commuters, I have to contend with extremely long lines, slow trains, and frequent delays due to malfunctions. This has been my experience for several years. Many of us might be wondering: why have these problems persisted?

Video Blog: World Bank Vice President for East Asia and Pacific visits Indonesia

Axel van Trotsenburg's picture
Video Blog: World Bank Vice President for East Asia and Pacific visits Indonesia


Axel van Trotsenburg, World Bank Vice President for East Asia and Pacific, travelled to Indonesia, where he visited the capital Jakarta and Makassar in South Sulawesi. He noted that Indonesia faces a large challenge in meeting infrastructure needs, in order to provide basic services and integrate a country with over 17,000 islands.
 

Philippines: Why We Need to Invest in the Poor

Karl Kendrick Chua's picture
A fish vendor waits for customers in his stall in Cebu City. According to the latest Philippine Economic Update, pushing key reforms to secure access to land, promote competition and simplify business regulations will also help create more and better jobs and lift people out of poverty. ​(Photo by World Bank)



In my 10 years of working in the World Bank, I have seen remarkable changes around me. In 2004, Emerald Avenue in Ortigas Center, where the old World Bank office was located, started to wind down after 9 PM.  Finding a place to buy a midnight snack whenever I did overtime was hard. It was also hard to find a taxi after work.

Today, even at 3 AM, the street is bustling with 24-hour restaurants, coffee shops, and convenience stores, hundreds of BPO (Business Process Outsourcing) employees taking their break, and a line of taxis waiting to bring these new middle class earners home. Living in Ortigas Center today means that I also benefit from these changes.

Liability insurance for climate change

Connor Spreng's picture


Our response to climate change at the global level clearly needs improving. While some governments are managing to set and enforce limits on the emission of greenhouse gases, an international agreement that is both enforceable and meaningful remains elusive. Measures undertaken by private individuals and organizations, though plentiful, largely fail to connect to the political process and continue to fall short in aggregate. Is there a way to combine these public and private efforts? We think there is, as we’ve explored in a recent NZZ article and ETH blog post: a new type of liability insurance.

Looking to the insurance industry for addressing climate change is not new (see, for example, Nobel Laureate Robert Shiller’s column; the Geneva Association’s statement; and the climate change and insurance links discussed at the World Bank’s recent Understanding Risk conference). What has been lacking, however, are ideas for employing insurance instruments at scale, across national boundaries, and in a way that maximizes existing capacities and market mechanisms.

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