THE EFFECTIVENESS OF GOVERNMENT SUBSIDIES AND LOW-COST FINANCING SCHEMES IN EQUALISING ACCESS TO LAND REGISTRATION
Keywords:
government subsidies, low-cost financing, land registration, equal access, land tenure, PTSLAbstract
This study aims to examine the effectiveness of government subsidies and low-cost financing schemes in supporting equitable access to land registration in Indonesia. The approach used is a literature review, collecting and analysing various scientific sources, regulations, and reports related to land policy. The results of the study show that government subsidies, particularly through the Complete Systematic Land Registration (PTSL) programme, significantly reduce the cost of land registration, thereby increasing the number of certificates issued to low-income communities. On the other hand, low-cost financing schemes offer a flexible alternative by providing easy instalment payments and low interest rates, thereby reaching communities that have difficulty accessing direct subsidies. These two instruments complement each other in expanding access to land registration, but their successful implementation is highly dependent on transparency, bureaucratic management, public financial literacy, and adequate regulatory support. This study recommends that subsidy and low-cost financing policies be managed in an integrated manner to ensure fair, inclusive, and sustainable access to land ownership.
Downloads
References
Abdulai, A. (2011). Land Tenure Differences and Investment in Land. https://doi.org/10.1016/j.foodpol.2010.12.002
Ali, D. A. (2021). Sustaining Land Registration Benefits by Addressing the Challenges of Informal Rural Transactions. https://doi.org/10.1016/j.landusepol.2019.104243
Ardani, M. N. (2023). The Importance of Land Registration to Support Environmental Management. https://doi.org/10.14710/dlr.v10i2.28280
Asian Development Bank. (2010). Some Aspects of Land Administration in Indonesia. https://www.adb.org/sites/default/files/publication/28127/op010.pdf
Barry, M. (2016). Land Registration Effectiveness in a State-Subsidised Housing Project. https://doi.org/10.1016/j.landusepol.2016.07.007
Benson, M. (2016). Land-Based Financing for Infrastructure Development. http://gltn.net/land-based-financing
California Strategic Growth Council. (2025). California Agricultural Land Equity Task Force. https://sgc.ca.gov/initiatives/alei/
Donor Platform. (2025). Understanding the Role of Land Rights for Sustainable Reconstruction. https://www.donorplatform.org/event/understanding-the-role-of-land-rights-for-sustainable-reconstruction-in-conflict-and-post-conflict-settings-2/
Dwi Purwanto. (2024). Implementation of Government Policy through Complete Systematic Land Registration in Indonesia. https://doi.org/10.38035/jlph.v5i2.1204
Eliyah, E., & Aslan, A. (2025). STAKE’S EVALUATION MODEL: METODE PENELITIAN. Prosiding Seminar Nasional Indonesia, 3(2), Article 2.
Firdausy, C. M. (2024). Land Value Capture as Breakthrough of Financing Scheme in Urban Infrastructure. https://doi.org/10.1016/j.cities.2024.103641
Hamid, F. (2023). Electronic Integrated Systems in Land Registration: Legal and Technical Aspects. https://sciencescholar.us/journal/index.php/ijhs/article/view/6437
Harry, M. (2022). The Effectiveness of Complete Systemic Land Registration: A Case Study from Indonesia. http://repository.uin-malang.ac.id/19417/1/1.pdf
Hikmany, A. N. (2024). The Myths and Realities of Land Registration in Zanzibar. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5059006
HSBC International Services. (2019). Funding Studies Abroad: Scholarships and Grants Overview. https://internationalservices.hsbc.com/study-abroad/funding-studies-abroad/
IDH Sustainable Trade Initiative. (2023). Land Registration Pilot Business Case for Cocoa Farmers. https://www.idhsustainabletrade.com/uploaded/2023/04/19042023-TOR-Land-Registration-Pilot-Annexes.pdf
Jamaluddin, J. (2021). Efektivitas Program Pendaftaran Tanah Sistematis. https://ejournal.ipdn.ac.id/jpp/article/download/2059/996
Krismantoro, D. (2023). The Urgency of Electronic Land Certificates in Improving Land Governance. https://ojs.journalsdg.org/jlss/article/view/1808
Li, J. (2024). Agricultural Subsidies and Land Rental Prices in the European Union. https://doi.org/10.1016/j.aglistr.2024.100112
Mauliandi, W. S. (2019). Studi Kasus Pelaksanaan Pendaftaran Tanah Sistematis Lengkap. https://repository.stpn.ac.id/1158/1/WAHYU%20SAFAR%20MAULIANDI.pdf
Meridia Company. (2021). Customer Contribution Models for Land Registration: Lessons Learned from Low-Income Farmers. http://newamerica.org/future-land-housing/briefs/sustainable-financing-models-for-property-registration-in-developing-countries/
Mootalu, S. R. (2023). The Effectiveness of the National Land Agency in Implementing Land Registration. https://pdfs.semanticscholar.org/1e11/b5f60db27a4f276ef3382c6bfb8865ec003e.pdf
New America Foundation. (2021). Sustainable Financing Models for Property Registration in Developing Countries. http://newamerica.org/future-land-housing/briefs/sustainable-financing-models-for-property-registration-in-developing-countries/
Nugroho, H. (2023). Regulatory Impact Assessment: Optimization of the Complete Systematic Land Registration. http://journal.ipb.ac.id/index.php/jabm/article/download/52120/28372
Pratiwi, S. (2018). Efektivitas Pelaksanaan Program Pendaftaran Tanah Sistematis Lengkap (PTSL) di Kecamatan Medan Marelan. http://repository.umsu.ac.id/bitstream/123456789/3372/1/SKIRPSI%20SHEILA.pdf
Primastya, A. A. (2020). Pembebanan Biaya Pendaftaran Tanah Sistematis Lengkap (PTSL) dengan Biaya Terjangkau. https://ojs.rewangrencang.com/index.php/JHLG/article/download/1348/678/5502
Rahdania, A. F. (2023). Implementation of Land Registration Procedures in Indonesia Based on Government Regulation No. 18 of 2021. https://ijsr.internationaljournallabs.com/index.php/ijsr/article/view/1141
Richardson, L. (2024). Land Equity in California: Challenges and Opportunities in Agricultural Land Access. https://doi.org/10.1525/elementa.106
Sari Dewi, et al. (2020). Efektivitas Pelaksanaan Program PTSL dalam Pencegahan Mafia Tanah di Kota Probolinggo. https://ojs.unimal.ac.id/jspm/article/view/6034/8731
Sari, N. A. (2024). Customary Land Tenure and Landless Farmers in Java: Implications on Land Registration Schemes. https://rgsa.openaccesspublications.org/rgsa/article/view/8063
Smith, J. (2022). Sustainable Financing Models in Property Registration: Case Studies and Policy Implications. https://doi.org/10.1080/09599916.2022.2024810
Thamrin, R. M. H. (2021). Blockchain-based Land Certificate Management in Indonesia. https://adi-journal.org/index.php/ajri/article/download/339/377/1407
Torraco, R. J. (2020). Writing Integrative Literature Reviews: Guidelines and Examples. Human Resource Development Review, 19(4), 434–446. https://doi.org/10.1177/1534484320951055
Van der Maaten, E. (2025). Assessing the Impact of the Complete Systematic Land Registration Program. https://doi.org/10.1080/09599916.2025.2495754
Zatira, A. R. (2022). Efektivitas Pelaksanaan Program Pendaftaran Tanah Sistematis Lengkap (PTSL). https://core.ac.uk/download/552518262.pdf
