IN three decades of being a civil servant, Mimih Kelana had never enjoyed the benefits of her savings under the scheme managed by the Housing Savings Advisory Board for Civil Servants (Bapertarum-PNS). A while back, this primary school teacher in South Jakarta had thought of using the money deducted each month from her salary to buy a house in Garut, West Java, where she was born. But the plan stalled. “I was refused by the bank because the