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The government launched the Indonesia Smart College Card Program (KIP-K) as an affirmative policy to expand equitable and inclusive participation in higher education. KIP-K reduces financial burden through tuition waivers and living allowances for students with strong academic potential. A descriptive qualitative study at Universitas Negeri Surabaya evaluates effectiveness using five indicators, including program comprehension and tangible change, showing positive impacts alongside delays, uneven information dissemination, and weak monitoring.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/effectiveness-of-the-indonesia-smart-card-program-kip-in-meeting-higher-education-needs-for-underprivileged-students-at-universitas-negeri-surabaya/158253/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/effectiveness-of-the-indonesia-smart-card-program-kip-in-meeting-higher-education-needs-for-underprivileged-students-at-universitas-negeri-surabaya/158253.png","ImageObject",300,407,{"name":92,"@type":93},"Đào","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-29","2026-08-29",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",11,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"Apa tujuan Program KIP-K dalam pemenuhan kebutuhan pendidikan tinggi mahasiswa kurang mampu?","Question",{"text":113,"@type":114},"Program KIP-K bertujuan meringankan beban biaya pendidikan melalui pembebasan UKT dan pemberian bantuan biaya hidup bagi mahasiswa kurang mampu yang memiliki potensi akademik.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"Bagaimana efektivitas Program KIP-K dinilai pada penelitian ini?",{"text":118,"@type":114},"Efektivitas dinilai menggunakan lima indikator Soetrisno (2016): pemahaman program, pencapaian tujuan, ketepatan sasaran, ketepatan waktu, dan perubahan nyata.",{"name":120,"@type":111,"acceptedAnswer":121},"Apa kendala utama pelaksanaan KIP-K yang ditemukan?",{"text":122,"@type":114},"Kendala yang disebutkan meliputi keterlambatan pencairan dana, ketimpangan sosialisasi/informasi, serta lemahnya pengawasan terhadap penggunaan bantuan.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},158253,1787997607,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":140,"language":141,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":142,"faqs":143,"seo_title":144,"seo_description":67,"update_tm":130,"read_time":145,"preview_page_count":4},1374402968488,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","| Journal of Innovative | and Creativity | Faculty of Education University of Pahlawan Tuanku Tambusai |\n| --- | --- | --- |\n| Journal Homepage: [https://joecy.org](https://joecy.org)\u003Cbr>[e-mail:](e-mail: journaljoecy@ gmail.com)[ journaljoecy@ gmail.com](e-mail: journaljoecy@ gmail.com) | /index.php/joecy | ISSN 2775-771X (Online)\u003Cbr>ISSN 2962-570X (Printed)\u003Cbr>6 (1) 2026, Page: 1752-1774 |\n| Efektifitas Program Kartu Indonesia Pintar Terhadap Pemenuhan Kebutuhan Pendidikan Tinggi Bagi Mahasiswa Kurang Mampu Di\u003Cbr>Universitas N egeri Surabaya\u003Cbr>Yoggy Pratama 1, Zainal Fatah2, Nihayatus Sholichah3, Ika Devy Pramudiana4\u003Cbr>1, 2, 3, 4 Fakultas Ilmu Administrasi, Universitas Dr Soetomo\u003Cbr>Corresponding Author: Syifaudin, [e-mail: yoggypratamaa@ gmail.com](e-mail: yoggypratamaa@ gmail.com)\u003Cbr>Published: January, 2026 |  |  |\n\nABSTRACT  \nThe high cost of higher education in Indonesia remains a major obstacle for students from low-income families to continue their studies at universities. This condition prompted the government tolaunch the Indonesia Smart College Card Program(Kartu Indonesia Pintar Kuliahor KIP-K) as an affirmative policy aimed at expanding equitableand inclusive access tohigher education. The program is designed to reduce financial burdens by providing tuition waivers and living allowances for economically disadvantaged students with strong academic potential. Universitas Negeri Surabaya (UNE SA ) is oneof the stateuniversities with thehighest number ofKIP-K recipients in Indonesia, makingita relevant setting to examine the program’s effectiveness. This study aims to analyze the effectiveness of the KIP-K Program in fulfilling the educational needs of underprivileged students at UNESA and to identify its supporting and inhibiting factors. The study employs a descriptive qualitative approach, with data collected through in-depth interviews and observations involving four informants: two KIP-K recipients and two non-recipients. Data were analyzed using Miles and Huberman’s interactive model, which includes data reduction, data presentation, and conclusion drawing. Thefindings indicate that the KIP-K Program at UNESA is relatively effectivebased on Soetrisno’s (2016) fiveindicators of effectiveness: program comprehension, goal attainment, target accuracy, timeliness, and tangible change. The program has positively influenced students’ learning motivation, academic discipline, and financial independence. However, several challenges remain, includingdelayed fund disbursement, unequal dissemination of information, and insufficient monitoring of fund utilization. Strengtheningthe monitoring system, improving distribution mechanisms, and enhancing program outreach are recommended to ensure the program’s sustainabilityand topromote equitable access tohigher education in Indonesia.  \nKeywords: Effectiveness Program, Indonesia Smart Card, KIP, higher education  \nABSTRAK  \nTingginya biaya pendidikan tinggi di Indonesia masih menjadi hambatan utama bagi mahasiswa dari keluargaberpenghasilan rendah untuk melanjutkan studi ke jenjang perguruan tinggi. Kondisi tersebut mendorong pemerintah meluncurkan Program Kartu Indonesia Pintar Kuliah (KIP-K) sebagai bentuk kebijakan afirmatif untuk memperluasakses pendidikan tinggi yang merata dan inklusif. Program ini bertujuan meringankan beban biaya pendidikan melalui pembebasan Uang Kuliah Tunggal (UKT) dan pemberian bantuan biaya hidup bagi mahasiswa kurang mampu yang memiliki potensi akademik. Universitas Negeri Surabaya (UNESA) merupakan salah satu perguruan tinggi negeri denganjumlah penerima KIP-K terbanyak di Indonesia, sehingga menjadi lokasi yang relevan untuk mengkaji efektivitas pelaksanaan program tersebut. Penelitian ini bertujuan untuk menganalisis efektivitas Program KIP Kuliah dalam memenuhi kebutuhan pendidikan mahasiswa kurang mampu di UNESA serta mengidentifikasi faktor-faktor pendukung dan penghambat dalam pelaksanaannya. Pendekatan penelitian yang digunakan adalah kua","cbCaillTfQ8J4NU0","https://ap.wps.com/l/cbCaillTfQ8J4NU0","pdf",1178426,23,"English","# Pendahuluan\n# Tujuan Penelitian\n# Metode Penelitian\n## Pendekatan Kualitatif Deskriptif\n## Teknik Pengumpulan Data\n## Analisis Data\n# Hasil dan Pembahasan\n## Indikator Efektivitas Program\n## Dampak Program\n## Faktor Pendukung dan Penghambat\n# Kesimpulan dan Rekomendasi","[{\"question\":\"Apa tujuan Program KIP-K dalam pemenuhan kebutuhan pendidikan tinggi mahasiswa kurang mampu?\",\"answer\":\"Program KIP-K bertujuan meringankan beban biaya pendidikan melalui pembebasan UKT dan pemberian bantuan biaya hidup bagi mahasiswa kurang mampu yang memiliki potensi akademik.\"},{\"question\":\"Bagaimana efektivitas Program KIP-K dinilai pada penelitian ini?\",\"answer\":\"Efektivitas dinilai menggunakan lima indikator Soetrisno (2016): pemahaman program, pencapaian tujuan, ketepatan sasaran, ketepatan waktu, dan perubahan nyata.\"},{\"question\":\"Apa kendala utama pelaksanaan KIP-K yang ditemukan?\",\"answer\":\"Kendala yang disebutkan meliputi keterlambatan pencairan dana, ketimpangan sosialisasi/informasi, serta lemahnya pengawasan terhadap penggunaan bantuan.\"}]","Efektifitas Program Kartu Indonesia Pintar Terhadap Pemenuhan Kebutuhan Pendidikan Tinggi Bagi Mahasiswa Kurang Mampu Di Universitas Negeri Surabaya | PDF",58]