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Abstract
Persentase kepemilikan rumah pada rumah tangga di Indonesia menujukan trend yang semakin menurun dari tahun ke tahun. Keterbatasan penyediaan rumah dan tingginya harga rumah membuat sebagian besar rumah tangga menempuh skema kredit untuk dapat memiliki rumah. Penelitian ini bertujuan untuk menyelidiki bagaimana hubungan antara ketidakpastian pendapatan (income uncertainty), kendala pembiayaan (credit constraint) dan preferensi risiko (risk preference) rumah tangga terhadap status kepemilikan rumah di Indonesia. Studi ini menggunakan data IFLS Tahun 2007 dan 2014. Estimasi menggunakan variabel dengan metode probit dengan data panel dan probit OLS (ordinaryleast square) pada tahun 2014 dilakukan untuk mengetahui hubungan kausalitas antara ketidakpastian pendapatan (income uncertainty), kendala pembiayaan (credit constraint) dan preferensi risiko (risk preference) dengan status kepemilikan rumah di Indonesia. Hasil penelitian menunjukkan bahwa Indoensia sebagai negara berkembang menunjukan pengaruh negatif dari ketidakpastian pendapatan (income uncertainty) terhadap status kepemilikan rumah di Indonesia lebih besar bila dibandingkan dengan negara maju lainnya. Sedangkan kendala kredit memiliki pengaruh negatif terhadap status kepemilikan rumah di Indonesia, terutama kendala yang bersumber dari keterbatasan kekayaan yang digunakan sebagai jaminan pinjaman.
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