The Impact of the FLPP Program on Improving Community Welfare through Subsidized Home Ownership
Keywords:
FLPP, Subsidized Housing, Public Welfare, Housing, Low-Income CommunitiesAbstract
This study aims to analyze the impact of the Housing Financing Liquidity Facility Program (FLPP) on
improving community welfare through subsidized home ownership. The FLPP program is a government policy aimed
at providing access to affordable housing financing for low-income communities (MBR). This study uses a descriptive
qualitative approach, with data collection techniques including interviews, observation, and documentation. The
research informants consisted of community recipients of subsidized housing, housing developers, and banks
distributing the FLPP program. The research results show that the FLPP Program has a positive impact on improving
community welfare, particularly in economic, social, and psychological aspects. From an economic perspective,
people experience a reduction in expenses because they no longer have to pay rent. From a social perspective, home
ownership improves family stability and social participation in the community. Meanwhile, from a psychological
perspective, people feel an increased sense of security and life satisfaction after owning their own home. However,
this study also found several obstacles in the implementation of the FLPP program, such as limited subsidized
housing quotas, less strategic housing locations, and an administrative process that some people still find quite
complex. Overall, the FLPP program is considered to have made a positive contribution to improving community
welfare, although improvements in implementation are still needed to optimize and distribute its benefits more evenly.
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