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CPS1290 Sahda R. et al.
presence of children in the household can be one of the reasons why
households delay to have house. This is because the cost of home ownership
will compete with the costs of raising children due to the greater need
compared to non-child households (Courgeau and Lelie`vre, 1992 in Mulder
2006).
Probability for housing ownership can be obtained by equation (2) which
is the value of Z. Furthermore, the value of Z will see the opportunity. The
opportunity for home ownership is the area under the Normal curve. With 7
independent variables, each of which has 2 categories, there will be 128
possible types of households that occur. Households that have the greatest
chance of owning their own homes are households with expenditures above
7 million rupiah, and having female household heads, aged 35 years and over,
married or ever married, working in informal sector, have 4 household
members and above, and do not have children in the household.
Conversely, households with the lowest chance of home ownership are
households with expenditures below 7 million rupiah having a male head of
household, aged under 35 years who are not married, working in the formal
sector, having household members less than 4 people, and have children in
their households. Households with this category may be the main target in
housing related policies. The policy can prioritize households with male
household head working in the formal sector and having children, because it
proves to be more difficult to own a house.

4. Discussion and Conclusion
Based on the results, several results are not in line with the hypothesis.
Households with female household head are more likely to have their own
decent house than that of male. Most households with female household head
are divorced. In addition, household’s heads who work in the informal sector
or do not work have a higher probability to have an owned home.
The variables that significantly influence the ownership status of decent
homes in DKI Jakarta are household expenditure, gender, age, marital status
and employment status of the head of the household, family size and the
presence of children.
Households that have the highest chance of owning a decent house are
households with expenditure above 7 million rupiah, having a female head of
household aged 35 years and over, married or ever married, working in the
informal sector, having 4 household member or more and not having children.
On the contrary, households with the lowest chance of housing ownership are
households with expenditures below 7 million rupiah, having a male head of
household, aged under 35 years who are not married, working in the formal
sector, and having household members less than 4 people and have children.
Based on that condition, the government should prioritize households with

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