COLLABORATIVE STRATEGY MODEL BETWEEN GOVERNMENT AND PRIVATE SECTOR IN HOUSING FINANCING THROUGH THE HOUSING FINANCING LIQUIDITY FACILITY SCHEME (FLPP) IN INDONESIA

Abstract

The housing backlog problem in Indonesia continues to be a major challenge, especially for low-income communities (MBR) who have difficulty accessing decent and affordable housing. The government, through the Housing Financing Liquidity Facility (FLPP) scheme, seeks to provide subsidized financing by involving the role of the private sector, such as implementing banks and housing developers. This study aims to analyze the conditions of FLPP implementation, the role of each party, and formulate an ideal collaborative strategy model between the government and the private sector in increasing the effectiveness of housing financing in Indonesia. The method used is a qualitative approach with literature studies and content analysis of scientific literature, policy documents, and the latest FLPP implementation data. The results of the study show that the effectiveness of collaboration is greatly influenced by adaptive regulations, policy incentives, integrated digital systems, and clarity of the roles and responsibilities of each actor. The ideal collaborative strategy model emphasizes the importance of cross-sector synergy, innovation in financing schemes, and empowerment of MBR as active partners. This study recommends the need to strengthen institutions such as BP Tapera as the main orchestrator, diversify financing sources, and increase housing literacy for the community.