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LESSON LEARNT FROM KREDIT TRIGUNA: THE HOUSING FINANCE FOR LOW-INCOME COMMUNITY

Financial aid or loan designed specifically for housing the low income community, especially they are working in informal sector, is necessary. To answer the need, about two decades ago, Bank Tabungan Negara (BTN) or The State Savings Bank had introduced a loan package, named Kredit Triguna. Designed as a mixed microcredit policy, this loan implemented a fully concept of integrated approach. But it was only available for two years, and then discontinued. As one of the best practice microfinance programs at the time, this condition was considered as a unique case. This paper aims to evaluate the previous microcredit policy, that was Kredit Triguna, in its implementation and to identify reasons for its success or failure in performance. As a sample of case study, a project of housing redevelopment in Kalianyar riverbank, Mojosongo, Surakarta using the loan is observed. The result of the study will help in developing new alternative scheme in housing finance for the low-income community.