Bintara Alam Permai, Bekasi
Jl. Batu Jajar No. 37
Jakarta 10120, Indonesia
Phone: (62-21)
Fax: (62-21)





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Surviving the Economy in the midst of Global Recession 2009

At the turning of 100,000 unit of healthy modest houses official at Graha Indah Lamongan Real Estate, Tuesday (17 Feb 2009), President Susilo Bambang Yudhoyono convey, one way so that Indonesian economy can still survive in the middle of global recession is that with making domestic market alive.

With the languid of export markets, beside switching from product orientation and export market, also focusing on domestic market. According to President Bambang Susilo Yudhoyono, with the world economy currenty undergoing global recession, all exports aredown. This matter occur because the target country of export such as United States and Europe are currently lanquid. Any country that depend on export have gone bankrupt. While Indonesia, not totaly dependent on export, Indonesian economy uses many domestic market, thus still can survive.

The President said "Even this recession has impact on Indonesia, we're still able to maintain at certain level. In the year 2007, economy growth was 6,3%, on the other hand other countries have fallen to a minus level in year 2008 , we indeed have declined 0,2% to 6,1%. Hopefully in this year we can still manage so that reduction would not be too sharp".

Even if domestic economy kept on going, including if Real Estate Indonesia (REI) keep on building houses, then downstream effort will grow. From aspects of business, cement, nails, sand, etc will grow as well.

"If economy in this country keep on going although the world is still ill, no need to be afraid to face it. With hard labor, innovation, don't talk too much and kick the corruption to the sea, we will be able to go past it," said the President.

The President hope this year and the years to come will not have many natural disaster engulf this country so that Indonesia can grow in real estate, food, irrigation, dam, procure seeds, and fertilizer that are managed as well as possible.



92 Government Policies

Menteri Negara Perumahan Rakyat (Minister of State Public Housing), M. Yusuf Asy'ari few moments ago said, that since President Susilo Bambang Yudhoyono activated its State of the Public Housing Ministry, its part has publish 92 policies in housing sector including 23 in process of preparation.

One of the regulation and positively greeted in circle of developers by the publishing of PPH final one percent for Simple Healthy Home (Rumah Sederhana Sehat / Rsh) development and Simple Stack House Own (Rumah Susun Sederhana Milik / Rusunami) that poured through PP No. 71 year 2008.

At this moment, the government is in the middle of preparing a new PP for PPN Output (State Income Tax Output) that is charged at the receival of work from material / service provider (contractor) to developer because all this time what is known is only PPN Input (State Income Tax Input).

In the circle of developers either from Persatuan Perusahaan Real Estate Indonesia / REI (United Companies of Real Estate Indonesia) or Asosiasi Pengembang Perumahan seluruh Indonesia / Apersi ( Association of Real Estate Developer in all of Indonesia) welcome well the plan of PPN Output because it can be a guarantee to build and develop Rusunami and Rsh.

All this time what is know as facilities from from PPN that is charge to Rsh and Rusunami buyer that's supposedly imposed 10%from selling price, but because there's PPN Output available, will bring profit to developer, he explained.

"If this policy issued out, it will trim production price of Rsh as well as Rusunami. If it is practiced well, then it will push large size developer to seriously go into goverment program," he explained.

Menpera also state that, the main target of government in developing houses according to Rencana Pemerintah Jangka Menengah / RPJM (Plan of Government for Intermediate Span ) 2004-2009 have already been achieved this year.

Like the new program of houses decent to live in, 1,265,000 units that cover Rsh subsidies, Rsh and Rumah Sederhana non subsidies (Simple House Non-Subsidies), also the special house post disaster, until the end of 2008, already achieved 1,266,753 unit (100,14 percent), explained Menpera.

While for 2009, it is estimated to still able to produce 338,960 new houses decent to live in, that consist of 170,000 units Rsh subsidies and Rsh/Rs non subsidies. For Rumah Susun Sederhana Sewa / Rusunawa (Simple Stack House for Rent) program, from target of 60,000 units only achieved 34,400 unit (57,33 percent) and 2009 the gap will be minimized 86,93 percent from target, he said.

In regard to Rusunami target, Menpera said, the correspond stated in RPJM as many as 25,000 units to the end of 2008 only 6,800 units realized from Rusunami Cengkareng.

"But I am optimistic the target will be achieved because there are new supply only need to be tied in with banking at least another 31,600 units from Rusunami located in cawang, Cibubur, and Modernland tanggerang," he explained.

Then, for rumah swadaya (house built by community), Menpera said, from target of 3,600,000 units, at this moment already achieved 3.280.618 units (91,13 percent) while in year 2009, it is estimated it will add 691.000 units to become 3.971.618 (110,32 percent).

For district regulation from total of 79 hectar to become target, only 39 hectar realized and even if can be pursued in year 2009, only 49 hectar (62,03 percent) can be achieved.

Menpera also said, the truth is that many districts ready to build that is available, only left stimulant in the form of Public Infrastructure fund and utility as well as policy like the Maja district in Tanggerang Province Banten.

The government for real estate sector 2009 will seriously prove subsidy allocation that is made available to achieve Rp2,5 trillion, where as at the years before the available allocation is not more than Rp300 milyar per year.

This allocation of subsidy fund need assistant fund from bank which all this time only Bank BTN can be able to provide, other banks such as Bank BRI and BNR are expected to be interested to go along in 2009.

Menpera promises will keep on increasing the capability of BTN credit in distributing KPR subsidies including with putting Bapertarum-PNS Rp 2 trillion fund and Jamsostek Rp 1 trillion fund in place.

This step at least will help BTN in distributing credit subsidy because if only depending on BTN fund, the Rp 2,5 trillion find will be hard to absorbed, he explained.

Even admitted, the Rp 2,5 trillion fund are not solely all new credits, partially are from subsidy claim arrears 2008, along that's destined for house development that is build by the community (swadaya). Futhermore, Menpera said, government will keep on creating incentives including the ease of licensing and reduction of taxes, with the optimization of urban land use.

Relating to land, Menpera has set price of Rp 1 million per meter square for Rusunami land development which is managed by Regulation of Minister of Finance No. 348 year 2008. In the middle of this crisis, his side will push banking as well as developer so they can keep on participate in developing people's houses through series of policies.

While Deputy of Formal House Kemenpera, Zulfi Syarif Koto, said, the difficulty to achieve target of Rusunawa closely related with availability for Rusunawa itself because post budget Rusunawa also exist in budget of PU Department.

"Waiting list from Pemerintah Daerah / Pemda (Local Government) and Perguruan Tinggi (High Institution) made for Rusunawa actually is in a long line but because the budget is limited, at the end we use priority scale," he stated.

Zulfi said, to use PU Department's Rusunawa budget won't also be possbile because the difference of use if in post Kemenpera for new units, while post Departemen Ru is for slum settlement program.

Head of Credit Management Division, Budi Hatono said, growth of KPR subsidy increase 30 percent to reach Rp 14 trillion in 2008 while total credit increase 40 percent to Rp 31,2 trillion.

Budi estimated that BTN credit is capable to grow around 10 to 15 percent in 2009 with economy growth assumption of 4,5 to 5 percent, growth volume export 1-2percent, and inflation under one digit.

During that time, Main Director of Bank BTN Iqbal said, the interest rate of BTN credit include Kredit Kepemilikan Rumah / KPR (Home Ownership Loan) that at this time range from 15 to 16 percent, the distribution is implemented carefully to protect quality of credit.

The credit growth distributed by BTN in 2009 is estimated to be lower than 2008 by putting prudent principle forward, including non performing loan (NPL) ratio, he explained.

The tight money policy in BTN make this company delay the publishing of obligation because with the interest now, indeed will not attract as if forced into, he explained.

Even as result of this policy make IPO 2009 plan be re-scheduled on the 4th quarter of 2009, while actually the case is BTN really hopeful that it can turn into reality to strengthen credit distribution, he said.

In purpose of cutting cost of fund, BTN will take advantage of fund facility from PT. Sarana Multigriya Financial (SMF) as much as Rp 500 milyar including taking advantage of asset security.

The asset security itself is using Kontrak Investasi Kolektif Beragunan Asset / KIKEBA (Collective Investment Contract with Warrant) pattern which is in capital markets category on 22 December 2008 with rating of AAA (moody Indonesia), he explained.

The KPR requirement which will be securitized is in smooth category, the time left around 4-5 years, with loan value at least 80 percent, all equipped with document and insurance.




PT. Laksana Kemilau Alam specialize in property sector which is among one of PAM (Pintu Air Mas) Group many divisions. The purpose of establishing PT. Laksana Kemilau Alam is to participate in real estate development process at middle class level in Indonesia. As one of developer in property sector, PT. PAM Group own few hotels, some located in Bali, Jakarta and Pekanbaru. PT. PAM Group care about education in Indonesia and that matter have come to realization with the establishment of Bina Bangsa School. In property sector, PT. PAM Group was successful in developing exclusive residence project in Pekanbaru City namely Diponegoro Residence.

As one division of PAM Group then capacity and ability from PT. Laksana Kemilau Alam does not need to be questioned. PT. Laksana Kemilau Alam currently preparing a housing project that is aim at the midlle class community. We aim at midlle class market because there are still opportunities at middle class segment that need home and have a good purchasing power.

Mr Christopher Sumasto act as Commissioner of PT. Laksana Kemilau Alam, while Mr Francisco Sumasto serve as Main Director and Mr Gunawan Tjia take the position of Director.




The project of PT. Laksana Kemilau Alam is located in Bintara, Bekasi and given the name of Bintara Alam Permai Real Estate. The real estate concept offered is a cool residential complex at affordable price range. Bekasi was chosen as development location because the development location is near to Rawa Bebek train station so prospective buyers may easily reach the real estate location. Beside that, the real estate location may easily be accessed through common road such as through bypass namely Cakung toll.

Surrounding the project development location, there are a few real estate complex that are developing and in the market, as well as real estate complex that have totally developed. Those real estate complex include: Bintara Loka Indah Real Estate I and II and Prima Bintara Real Estate. Prima Bintara Loka Indah Real Estate I and II propose 5 (five) type of houses.



Residentials / Bintara