Abstract
This paper investigates the microfinance component of a community-managed slum upgrading program – the Comprehensive Kampung Improvement Project (CKIP) in Surabaya, Indonesia. CKIP marked a progressive planning turn in post-decentralization Indonesia, providing communities unprecedented autonomy in designing and implementing projects. This mixed-methods analysis finds that unfavorable institutional, program design, and contextual factors made managing microfinance challenging for communities despite their autonomy and rich experience with physical upgrading.
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