{"id":20975,"date":"2025-09-19T10:44:47","date_gmt":"2025-09-19T03:44:47","guid":{"rendered":"https:\/\/businessupdate.id\/?p=20975"},"modified":"2025-09-19T10:44:50","modified_gmt":"2025-09-19T03:44:50","slug":"kredit-rumah-untuk-millenial-dan-gen-z","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=20975","title":{"rendered":"Kredit Rumah untuk Millenial dan Gen Z"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> Kementerian Perumahan dan Kawasan Permukiman (PKP) mengungkapkan pelaku usaha mikro, kecil dan menengah (UMKM) millenial dan Gen Z bisa memanfaatkan Kredit Program Perumahan atau KPP.<\/p>\n\n\n\n<p>&#8220;Memang Gen Z atau anak-anak muda ini juga akan menjadi sasaran utama dari kami,&#8221; ujar Direktur Jenderal Perumahan Perkotaan Sri Haryati melalui keterangan resmi yang diterima di Jakarta, Jumat (19\/9\/2025).<\/p>\n\n\n\n<p>Sri mengatakan, salah satu syarat untuk mendapatkan KPP ini adalah pelaku UMKM sudah memiliki Nomor Induk Berusaha (NIB) dan pelaku usaha menjalankan usaha paling singkat enam bulan.<\/p>\n\n\n\n<p>Kementerian PKP bersama Himpunan Pengusaha Muda Indonesia (HIPMI) telah mensosialisasikan KPP kepada para pengusaha muda.<\/p>\n\n\n\n<p>Berdasarkan Peraturan Menteri Perumahan Dan Kawasan Permukiman Republik Indonesia Nomor 13 Tahun 2025 Tentang Kriteria Penerima Dan Ekosistem Kredit Program Perumahan, pelaksanaan KPP bertujuan untuk mendukung UMKM berupa pengembang, kontraktor, dan pedagang bahan bangunan dalam rangka penyediaan rumah.<\/p>\n\n\n\n<p>Kemudian meningkatkan kapasitas UMKM berupa pengembang, kontraktor, dan pedagang bahan bangunan dalam rangka penyediaan rumah. Lalu mendukung kegiatan UMKM melalui aktivitas pembelian, pembangunan, atau renovasi rumah yang mendukung kegiatan usaha.<\/p>\n\n\n\n<p>Mendorong peningkatan penyerapan tenaga kerja, meningkatkan kontribusi sektor perumahan terhadap pertumbuhan ekonomi.<\/p>\n\n\n\n<p>KUR Perumahan dibagi untuk dua penerima manfaat, yang dilihat dari sisi penyediaan (<em>supply<\/em>) dan permintaan (<em>demand<\/em>). Sisi <em>supply <\/em>meliputi mereka yang berada di bidang usaha pengembang (developer), kontraktor, serta pengusaha material bangunan.<\/p>\n\n\n\n<p>Kredit Program Perumahan sisi <em>supply<\/em> rumah diberikan kepada Penerima Kredit Program Perumahan dengan jumlah plafon pinjaman di atas Rp500 juta sampai dengan Rp5 miliar. Kredit ini dapat dilakukan penarikan pinjaman secara sekaligus, bertahap, atau bergulir (<em>revolving<\/em>) sesuai kesepakatan.<\/p>\n\n\n\n<p>Sementara, sisi <em>demand<\/em> adalah UMKM, yang kreditnya digunakan untuk mendukung usahanya seperti untuk membeli rumah, untuk menyewa gudang, dan sebagainya. Jumlah plafon pinjaman untuk sisi demand di atas Rp10 juta sampai dengan Rp500 juta. (ip\/jh. Foto: Dok. PKP)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Kementerian Perumahan dan Kawasan Permukiman (PKP) mengungkapkan pelaku usaha mikro, kecil dan menengah (UMKM) millenial dan Gen Z bisa memanfaatkan Kredit Program Perumahan atau KPP. &#8220;Memang Gen Z atau anak-anak muda ini juga akan menjadi sasaran utama dari kami,&#8221; ujar Direktur Jenderal Perumahan Perkotaan Sri Haryati melalui keterangan resmi yang diterima di Jakarta, [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":20976,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,53],"tags":[5233,621,347,765,10203,2196,758,1176],"class_list":{"0":"post-20975","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economic","8":"category-property","9":"tag-gen-z","10":"tag-kawasan","11":"tag-kementerian","12":"tag-kredit","13":"tag-millenial","14":"tag-pemukiman","15":"tag-perumahan","16":"tag-program"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kredit Rumah untuk Millenial dan Gen Z - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=20975\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredit Rumah untuk Millenial dan Gen Z - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; 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