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The issue of housing development for low income group in Indonesia had already been done for four decades since 1970, but still facing many problems particularly on seeking for the suitable patterns due to community conditions. Housing cooperative is one of the systems which had been adopted by the government and implemented in some large cities in Indonesia (Jakarta, Bandung, Surabaya, and others). It is quite clear that the concept from Europe (The Netherlands and Germany) defined characteristic of cooperative principles as economic interest in common, establish a common enterprise, and so on. Nowadays, in Indonesia there is a tendency to apply the term housing cooperative loosely and also to describe it as saving for housing. Above all, as the result of housing cooperative research done in Bandung and Jakarta, it was found that housing cooperative pattern as a policy in producing houses for low income group is significantly successful, if influenced by community participation in the housing development process. The research concluded that housing cooperative pattern which has been adopted from Europe countries worked successfully and became a better policy for cities in Indonesia. But several changes must be done, especially in management quality of the cooperative, support from government, and community behaviour.