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PENDAHULUAN. I. Selama ini pembiayaan perumahan bagi masyarakat berpenghasilan rendah (MBR) menggunakan pola subsidi uang muka atau subsidi selisih bunga yang dananya berasal dari Pos Belanja APBN, sehingga ketika dana tersebut telah tersalurkan kepada masyarakat maka dana tersebut akan langsung hab

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