The Lembaga Penggerak Ekonomi Umat Majelis Ulama Indonesia (LPEU MUI)\nhas launched the Merah Putih Housing Program, a syariah-based housing\nscheme aimed at informal sector workers, particularly online motorcycle\ntaxi drivers (ojol). The programme is an effort to open access to home\nownership for workers who have long struggled to obtain conventional\nHome Ownership Credit (KPR). Deputy Secretary for Housing and\nSettlements, Rully Muliarto, explained that the programme uses the\nistisna contract, a sharia financing system that ensures the price of a\nhome is agreed from the outset without the risk of floating interest.\nAccording to Rully, the payment schedule is designed to suit daily\nearnings of ojol drivers. Through a system known as \u201cSetoran Seharga\nKopi,\u201d participants can instal from Rp40,000 per day via a virtual\naccount.<\/p>\n
\u201cThe workers do not need to bear large bills at the end of the month,\nbut can set aside daily earnings gradually,\u201d said Rully at the\nSilaturahmi and Sarasehan event with all Jabodetabek Grab Electric\nCoordinators at Buya Hamka Hall, MUI Central Building, on Wednesday\n(4\/3).<\/p>\n
He explained that this is a tangible step by LPEU MUI towards\npromoting housing ownership equity for informal workers who often face\nbanking requirements, such as non-bankable status and BI Checking\nobstacles.<\/p>\n
The programme is also described as aligned with the government vision\nof President Prabowo Subianto to meet the target of delivering 3 million\nhomes for the people.<\/p>\n
In addition to the daily instalment scheme, the programme offers\nseveral key features, including no BI Checking, with eligibility\nverified based on income history from the ojol app dashboard over the\nlast six months. The down payment (DP) is also flexible, at around\n5%-20% depending on participants\u2019 means.<\/p>\n
The planned housing will be built in suburban areas with transport\naccess and proximity to order activity hubs, such as areas with\nrestaurants and offices. The area is designed to have a productive\necosystem, including an Ojol Hub, self-service vehicle facilities, and a\ncentre for economic empowerment for residents\u2019 families.<\/p>\n
LPEU MUI Chair Mukhaer Pakkanna emphasised that the programme is part\nof MUI\u2019s efforts to mobilise the umat economy while improving the\nwelfare of informal workers.<\/p>\n
\u201cWe want to ensure asphalt workers are not only hard-working on the\nstreets but also own real, halal and blessed assets for their families,\u201d\nsaid Mukhaer.<\/p>\n
The Sarasehan gathering was also attended by senior LPEU MUI leaders,\nthe Head of the Economics Department of the MUI Executive Board M. Azrul\nTanjung, and representatives of the Jabodetabek Grab Electric\ncoordinators, Oppa Deddy.<\/p>\n
In the initial phase, programme registration will be conducted\ncollectively through field coordinators in each zone. LPEU MUI teams\nwill provide technical assistance to ensure the process runs\ntransparently and targets ojol drivers who are the programme\u2019s\nbeneficiaries.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/mui-pushes-for-housing-access-for-informal-workers-1772643852", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }