Kebijakan Tabungan Perumahan Nasional. Media Komunikasi Komunitas Perumahan 'INFORUM' Edisi 3 Tahun 2011

7/31/2019 Kebijakan Tabungan Perumahan Nasional. Media Komunikasi Komunitas Perumahan 'INFORUM' Edisi 3 Tahun 2011

1/60

HK@V@ @@@ [ANXO 3


2/603

`kag {hsava {anxo 3


3/60

[HS@DA GAV@N

P{n/ \hd`d|`o Shkagv @OBMSXD

Chsvada `o` gad` vad|a`gao canua gad` {hjan dhohs`da

Daiajan @omsxd Hk`v` 3 anxo 3


4/60


5/60

Hk`v` 6

[anxo 3 nòeea {anxo

3 Shvhov` Cxgx

FK N`d|xoao \hsxokaoe$Xokaoeaoc`kaoe \hsxdanao kao Gauavao\hsdxg`dao

Kajad saoega dhdhoxn` ghcx{xnao |asa|hdaoegx gh|hooeao kajad dhoeh{anx` kaodhdanad` ghcìagao kajad |hdcaoexoao|hsxdanao kao |hsdxg`dao* Ghdho{hsào\hsdanao Sagpa{ {hjan dhjagxgao orho{as`vav`

kao dhoen`d|xo chscaea`shexjav` {hsga`{ |hsxdanao

kao |hsdxg`dao paoe{hjan aka vad|a` vaa{ò`/ Nav`j òrho{as`vav`{hsvhcx{ k`vai`gao kajadcho{xg FK @o{hsagbN`d|xoao \hsxokaoe$

xokaoeao C`kaoe\hsxdanao kao

\hsdxg`dao/

;0 @om FK

Xcan Kxoà G`{a $Nas` \hdxka@o{hsoav`moaj 3Aehoka

Gm{a$Gm{a Xo`g k` Kxoà

Gm{a vhcaea` vhcxandhkao easa| jdx

|hoeh{anxao kag

agao |hsoan nac`v

xo{xg k`canav/ Kho`v`

{ho{aoe gm{a |xo ada{

chsaead {hseao{xoe

|aka facaoe jdx

|hoeh{anxao a|a gm{a

agao k`{hd|a{gao

vhcaea` mcphg

|hdcanavao/

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Kas` v`{xv ò` g`{a ka|a{ dhoeagvhv

chchsa|a japaoao kao |smkxg \[/ VDB

vh|hs vhgxs`vav`* |òiadao* v{aokas`vav`

kmgxdho G\S* vxsa{ x{aoe kao chchsa|a

òbmsdav` dhoehoa` |hjanao$|hjanao

paoe k`chs`gao/


6/602

acxoeao |hsxdanao cagajk`a{xs khoeao xokaoe$xo$kaoe {hsvhok`s`/ Che`{xjan

adaoa{ |avaj 13;* Xokaoe$XokaoeOmdms 1 anxo 3


7/60

Hk`v` 6

[anxo 3


8/60>

dhoiak` {a|hsxd xdxd* |hsjx k`gai`choas/ Chsa|a ghdad|xao dhoacxoevhs{a caea`daoa gmd|mv`vòpa aeas{acxoeao `{x ka|a{ kèxoagao xo{xgdhoka|a{gao sxdan |hsjx k`{hjaankhoeao vhgvada/

V`v{hd \hdcàpaao kao[aoeexoeiauac \hdhsò{an\hoehdcaoeao v`v{hd |hdcàpaao

|hophjhoeeasaao |hsxdanao dhdaoedhoiak` vajan va{x {aoeexoeiauac|hdhsò{an/ Uajax|xo khd`gàovhsòe {`dcxj |hs{aopaao* a|agan|hdcaoexoao* |hdaoaa{ao kao |h$dhj`nasaao sxdan dhdaoe dhsx$

|agao {aoeexoeiauac |hdhsò{an/Cxgaogan sxdan kèxoagao |s`cak`*dhoea|a |hdhsò{an dhv{` sh|m{$sh|m{ dhoea{xs |hdcàpaaoopa/ Gh$vakasao canua sxdan akajan {aoe$exoeiauac |s`cak` vhfasa kàd$kàd{hjan dhophjòa| ixea kajad choaggajaoeao paoe chsaka kajad |hdh$sò{anao/ Xixoeopa akajan |hsna{àovh{hoean na{`/

Vhfasa gmov{`{xv`moaj {aoeexoe$

iauac |hdhsò{an kajad |hophjhoe$easaao |hsxdanao kàdaoa{gao mjhn|avaj 3> N .apa{ 1) kao 3> @ .apa{ ;)XXK ;8 paoe {hjan kàdaokhdho/\avaj 3> N apa{ 1 dhopa{agao canuavh{à| msaoe chsnag n`kx| vhian{hsajan`s kao ca{ò* chs{hd|a{ {òeeaj*kao dhoka|a{gao jòegxoeao n`kx|paoe ca`g vhna{ vhs{a chsnag dhd$|hsmjhn |hjapaoao ghvhna{ao/ Vhkaoe\avaj 3> @ apa{ ; dhopa{agao |hs$

jòkxoeao* |hdaixao* |hoheagao kao|hdhoxnao nag avav` daoxvà akajan{aoeexoeiauac oheasa {hsx{ada |h$dhsò{an/

aoeexoe iauac |hdhsò{an {hsvh$cx{ {ho{x vaia {`kag vhca{av dhjag$vaoagao |avaj 3> j {hsvhcx{* gashoa|hdhsò{anao dhdaoe k`cho{xgxo{xg dhjòkxoe` vhehoa| caoeva@okmohvà* dhdaixgao ghvhian{hsaaoxdxd kao dhofhskavgao ghn`kx|ao

caoeva/ \hophjhoeeasaao |hsxdanao

kao gauavao |hsxdanao {`kag c`va{`kag chsga`{ao khoeao {aoeexoe$

iauac {hsvhcx{/ \hdhsò{an {`kagcmjhn dhdcàsgao x|apa |hdhoxn$ao ghcx{xnao sxdan vhfasa |s`cak`{hsopa{a dhoenajaoe` ghvhd|a{aomsaoe jaò xo{xg ka|a{ dhdhoxn` gh$cx{xnaoopa/ Ixea a|a paoe k`dagvxkkhoeao ghvhian{hsaao xdxd* nasxvk`|anad` vhcaea` ghvhian{hsaao chs$vada cxgao mav`v k` {hoean ghvhoe$vasaao |`nag jaò/

Shaj`{a kao |sag{hg paoe {hjanchsjaoevxoe vhjada sa{xvao {anxodhdaoe dhoxoixggao canua |hd$caoexoao sxdan k`jagxgao vhfasa

|s`cak` a{ax |ajòe iaxn mjhn gmdxo`${av/ Gashoa {x c`va k`dhoehs{` a|ac`ja|hiaca{ |hdhsò{an gxsaoe |hsna{ào{hsnaka| |hdcaoexoao sxdan/ \hd$caoexoao |hsxdanao dhoiak` dh$oas`g |hsna{ào gh{`ga sxdan dho$

iak` casaoe kaeaoeao paoe dhdchs`daoaa{ ixea cae` |asa |hiaca{ |hdh$sò{anao/ Mjhn gashoa {xjan ghjxnao|asa |hdcxa{ sxdan vhcaea` casaoekaeaoeao jhc`n vhsòe dhoka|a{gao

|hsna{ào/XX Omdms 1-3


9/60

Hk`v` 6

[anxo 3


10/601

Ja|msaoX{ada

\avaj 13< XX 1-3


19/60

Hk`v` 6

[anxo 3 s`j`xo |aka {anxo 3 s`j`xo |aka {anxo 3


20/6032)* [h XOH\Auask.100


25/60

Hk`v` 6

[anxo 3


26/6032

Uafaoa

naka|` mjhn |hscaogao naopa vhchvas5


27/60

Hk`v` 6

[anxo 3


28/60

vhcx{ j`qx`k`{p fsxofn* dhophcacgao {òega{ vxgx cxoea{òee` kao-a{ax gh{hsvhkàao kaoa shokan ghdxkàovhg{ms |hsxdanao agao vhdagò cxsxg/ Naj ò` k`vhcac$gao gashoa gasag{hs kas` òrhv{av` k` c`kaoe |hsxdanaodhsx|agao òrhv{av` iaoega |aoiaoe kao dhdcx{xngao

dmkaj chvas/ K`vad|òe `{x* |hdcaoexoao |hsxdanaoixea agao dhdchs`gao gmo{s`cxv` {hsnaka| |hoòega{$ao ghvhian{hsaao kao |hoeho{avao ghd`vgòao gashoadhd`j`g` hhg eaoka{hsnaka| |hs{xdcxnao hgmomd`kao u`japan* |hoòega{ao \hoka|a{ao Avj` Kahsan* vhs{a|hof`|{aao ja|aoeao ghsia/

\hophjhoeeasaao |hsxdanao kao gauavao |hsdxg`d$ao k` @okmohvà dav`n k`naka|gao |aka {èa |hsdavajan$ao |mgmg pa`{x gh{hsca{avao |hophkàao sxdan* dh$oòega{opa ixdjan sxdan {aoeea paoe dhohd|a{` sxdanpaoe {`kag japag nxo` kao {`kag k`kxgxoe mjhn |savasaoa*

vasaoa jòegxoeao kao x{`j`{av xdxd paoe dhdaka`* vhs${a |hsdxg`dao gxdxn paoe vhdagò dhjxav/ Vajan va{xag{ms |hsdavajanao {hsvhcx{ k`vhcacgao chjxd {hsvhkà$opa kaoa dxsan iaoega |aoiaoe |hsxdanao kao dav`nshokanopa agvhv |hdcàpaao |hsxdanao cae` davpasaga{gnxvxvopa davpasaga{ chs|hoenav`jao dhohoean$cauan/

Xokaoe$Xokaoe Omdms 1 [anxo 3


29/60

Hk`v` 6

[anxo 3


30/606 ix{a/ Vhja`o `{x* dhoka|a{ daoaa{{adcanao cao{xao kaoa xaoe dxga khoeao {`oega{ vxgxcxoea 2( |hs {anxo paoe k`vhvxa`gao khoeao iaoega

uag{x pa`{x xo{xg emjmoeao @ vhchvas S|/ 16/>


31/60

Hk`v` 6

[anxo 3N apa{ .1) XXK 10;8 paoe dhopa{agao canuavh{à| msaoe chsnagchs{hd|a{ {òeeaj* kao dhoka|a{$gao jòegxoeao n`kx| paoe ca`g kao vhna{/ \avaj ;

Aehoka

[aoeeaj 13 Aexv{xv k`{h{a|gao mjhn \hsvhs`ga{ao Caoe$

va$Caoeva .\CC) vhcaea` @o{hsoamoaj Pmx{n Kap a{ax

Nas` \hdxka @o{hsoav`moaj paoe k`|hsòea vha| {a$

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|asa |hsuag`jao |hdxka paoe chsgxd|xj |aka afasa Umsjk

Pmx{n Bmsxd .UPB) k` Uòa* Axv{sà |aka {anxo 1001/ Vajan

va{x nav`j shgmdhokav` UPB akajan |hokhgjasavào Nas`

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dho{hs` paoe chs{aoeexoeiauac xo{xg xsxvao gh|hdxkaao

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@o{hsoav`moaj ghdcaj` k`canav kao dhshgmdhokav`gao {aoe$

eaj 13 Aexv{xv vhcaea` Nas` \hdxka @o{hsoav`moaj/ Nav`j ghvh$

|aga{ao kas` gmobhshov` k` J`vcmo ò` ghdxkào k`caua kao

kàkm|v` kajad V`kaoe Xdxd \CC {anxo 1000 .Shvmjxmo A-

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dmv`gao vhs{a dhoòega{gao

ghvakasao ao{as|hdxka agao

\smesad Agv` \hdxka Vhkx$

oà [anxo 3


59/60

\SMVHKXS KAO \HSVPASA[AO

\HOEAIXAO CXD-CD S|/ 18 IX[A

A/ \HSVPASA[AO XDXD

C/ \HSVPASA[AO \HOEAIXAO CXD A[AX CD

F/ DHGAO@VDH \HOEAIXAO CXD A[AX CD

K/ CHVASAO CXD-CD

H/ V@DXJAV@ [ADCANAO CXD-CD

B/ CAOG \HJAGVAOA

1/

3/

6/

;/

8/

\OV Agb emjmoeao @* @@ kao @@@

Dhd`j`g` dava ghsia |ajòe vòega{ 8 {anxo

Chjxd |hsoan dhohs`da kao dhdaobaa{gao japaoao

[A\HSXD$\OV

Chjxd dhd`j`g` sxdan

Gnxvxv xo{xg |hsdmnmoao CD* nasxv dhd`j`g` {aoan

paoe k`cxggao khoeao cxg gh|hd`j`gao nag a{av

{aoan paoe van .vhvxa` \hsa{xsao Caog \hjagvaoa)

1/

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Bm{mgm|` GAS\HE kao VG Gh|aoega{ao {hsagn`s

Vxsa{ \hsopa{aao Chjxd Dhd`j`g` Sxdan

1/

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Chsgav kmgxdho |hoeaixao CXD a{ax CD paoe {hjank`jhoega|` mjhn \OV kàixgao chsvadaao khoeao |smvhv

|hoeaixao G\S-GDS gh Caog \hjagvaoa

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dhjax` Caog \hjagvaoa paoe {hjan chghsia vada khoeao

CA\HS[ASXD$\OV

Caog \hjagvaoa agao dhofa`sgao kaoa CXD a{ax CD*

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k`|hsmjhn dhjajx` v`{xv uuu/ca|hs{asxd$|ov/fm/`k

a{ax Caog \hjagvaoa)

Chsgav kmgxdho |hoeaixao gshk`{ jaòopa paoe

k`|hsvpasa{gao mjhn Caog \hjagvaoa

Chvasao CXD-CD akajan vhchvas S|/ 18/


60/60

\smesad Bav`j`{av J`gx`k`{av \hdcàpaao \hsxdanao .BJ\\)

G\S Vhian{hsa [a|ag kao G\S Vhian{hsa Sxvxo dhsx|agao

|hopajxsao |hdcàpaao kas` \hdhsò{an \xva{ dhjajx` Caog

\hjagvaoa gh|aka Davpasaga{ Chs|hoenav`jao Shokan .DCS)

kajad gh|hd`j`gao sxdan paoe k`chj` kas` |hoehdcaoe/

\smesad ò` k`jagvaoagao mjhn CJX \\\ Ghdho{hsào

\hsxdanao Sagpa{/

V|hv`bgav` \smesad G\S Vhian{hsa [a|ag$ Chcav \\O xo{xg nasea sxdan v-k S|/ 5< ix{a

$ Cxoea >/18( v-k >/8< ix{a

Xaoe dxga |ajòe vhk`g`{ 1

Kebijakan Tabungan Perumahan Nasional. Media Komunikasi Komunitas Perumahan 'INFORUM' Edisi 3 Tahun 2011

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