BP Tapera: Beneficiaries Of Mortgage Distribution Are Dominated By Private Workers

JAKARTA - The People's Housing Savings Management Agency (BP Tapera) revealed that the beneficiaries of subsidized housing loans (KPR) are dominated by private workers.

"For housing financing liquidity facility (FLPP) funds whose value is large, who is actually the beneficiary? The realization of the distribution of subsidized mortgages is dominated by private workers at 77.5 percent," said Deputy Commissioner for the Distribution of Tapera BP Tapera Funds Sugiyarto in an online discussion in Jakarta, quoted from Antara, Tuesday, June 11.

During 14 years the private worker sector (BUMN, BUMD, private/labor) dominated the distribution of KPR subsidies for the FLPP Tapera House. The highest distribution value occurred in 2022 of around 212 thousand units with a total distribution for the private worker sector of 1,145,112 units.

The classification of income that dominates the distribution of mortgage financing for the FLPP Tapera House during the 2010-2024 period is 379,532 units, which is the income range of IDR 3-4 million.

For the classification of the Rp3-4 million income range, it dominates all segments of the type of work, including civil servants, entrepreneurs, the TNI./Polri, and others.

"This private worker is the biggest and enjoys the benefits of FLPP a lot," said Sugiyarto.

BP Tapera distributed funds for subsidized houses for low-income people (MBR) as much as Rp9.08 trillion for 2024.

The distribution of funds consists of two housing financing programs managed by BP Tapera. FLPP funds as of May 8, 2024 have been distributed as many as 72,779 housing units worth Rp8.83 trillion spread across 8,245 housing, which was built by 5,899 housing developers from 32 distribution banks in 33 provinces and 376 districts/cities.

The Tapera housing financing contract in the same period, he said, had distributed 1,528 units worth Rp253.47 billion.

The distribution of 2024 FLPP funds, when referring to the 2024 RAPBN Financial Note, BP Tapera is mandated to distribute as many as 166,000 units worth Rp21.6 trillion and through the Ministry of Finance, optimized through the BP Tapera Main Performance Index (IKU) to 170,000 units with the same value. Meanwhile, the Tapera House financing is targeted for the same year as many as 8,717 units worth Rp1.3 trillion.

Especially for the distribution of FLPP funds because the funds come from the APBN, monitoring is carried out regularly and continuously.

BP Tapera ensures compliance with channeling banks with the FLPP Prosperous Home Ownership Credit (KPR) scheme, the performance of channeling banks, the use of homes by beneficiaries, the quality of houses ensured through field visits to the FLPP Tapera House which is already inhabited by the channeling bank.