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This study uses cross-case analysis, this study aims to provide an innovation on housing policy which is frequently fail. Housing becomes a part of the basic needs for all citizen, especialy for those who have low incomes and poor citizens as mandated on the State constitution. The decentralization era is threathened by a massive intervention of the Central Government which only creates the Local Government to be a charity chain and burden its potential innovation of both institutions and partnerships. Besides that, housing is a part of city. Therefore, it is necessary to build a strong relationship between fulfilling the need of housing and the concept of urban planning