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KARAKTERISTIK RUMAH TANGGA DAN AKSES KEUANGAN DALAM STATUS PENGUASAAN RUMAH
Abstract
The house is one of the basic needs for humans and plays an important role in supporting family activities. A decent, safe and affordable home is the desire of every household. However, according to various empirical results in a number of countries, it still faces several obstacles. Therefore, this research discuss the effect of household characteristics and financial access on the status of home ownership in Indonesia using the multinomial logistics method and 2 years of data from the Indonesia Family Life Survey (IFLS). The results of this study found that households have a higher chance of choosing the status of ownership of their own home if the location of the household is further from urban areas and the age of the head of the household is getting older. Likewise with the status of other home ownership, has a higher chance if the location of the household is getting further from urban areas and the age of the head of the household is getting older. In addition, in terms of financial access it is not statistically significant in influencing households to choose the status of ownership of their own home or the status of other home ownership.
Keywords: financial access; IFLS; home ownership; household characteristics
Rumah merupakan salah satu kebutuhan dasar bagi manusia dan berperan penting dalam mendukung aktivitas keluarga. Rumah yang layak, aman dan terjangkau menjadi keinginan setiap rumah tangga. Namun, menurut berbagai hasil empiris di sejumlah negara, masih menghadapi beberapa hambatan. Oleh karena itu, penelitian ini membahas mengenai pengaruh karakteristik rumah tangga dan akses keuangan terhadap status penguasaan rumah di Indonesia dengan menggunakan metode multinomial logistik dan 2 tahun data dari Indonesia Family Life Survey (IFLS). Hasil penelitian ini menemukan bahwa rumah tangga berpeluang lebih tinggi untuk memilih status penguasaan rumah milik sendiri bila lokasi rumah tangga semakin jauh dari perkotaan dan usia kepala rumah tangga semakin tua. Begitu juga dengan status penguasaan rumah lainnya, memiliki peluang lebih tinggi bila lokasi rumah tangga semakin jauh dari perkotaan dan usia kepala rumah tangga semakin tua. Selain itu, dari sisi akses keuangan secara statistik tidak signifikan dalam mempengaruhi rumah tangga untuk memilih status penguasaan rumah milik sendiri maupun status penguasaan rumah lainnya.
Kata kunci: akses keuangan; IFLS; karateristik rumah tangga; penguasaan rumah
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DOI: https://doi.org/10.47896/je.v24i1.230
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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.