Employee Salaries Cut for Tapera Contributions, Jokowi: Everything Has Been Calculated

INDONESIAUPDATES.COM, News En – The Indonesian government has introduced a new policy regarding Tapera (Tabungan Perumahan Rakyat) contributions, designed to help citizens save for housing. President Joko Widodo, commonly known as Jokowi, has assured that the plan has been meticulously calculated to ensure fairness and efficiency in implementation.

Contribution Structure

The policy delineates specific guidelines for both employees and self-employed individuals regarding their Tapera savings contributions:

For Employees (Worker Participants)

  • Total Contribution: 3% of the monthly salary or wages.
  • Employer’s Share: 0.5%.
  • Employee’s Share: 2.5%.

For Self-Employed Individuals

  • Total Contribution: 3% of the average monthly income from the previous calendar year.
  • The self-employed worker is responsible for the entire contribution.

Calculation and Payment Guidelines

For Employees:

  • Contributions are deducted monthly from the employee’s salary or wages.
  • Employers are required to deposit these deductions into the Tapera account by the 10th of the following month. If the 10th falls on a holiday, the payment must be made on the next working day.

For Self-Employed Workers:

  • Contributions are calculated based on the average monthly income from the previous calendar year.
  • Payments must also be made by the 10th of each month through designated financial institutions.

Regulatory Authorities

The regulation and execution of these contributions involve coordination between several governmental bodies:

  • For State and Regional Government Employees: The Ministry of Finance and the Ministry of State Apparatus Utilization.
  • For Employees of State-Owned, Regional-Owned, Village-Owned, and Private Enterprises: The Ministry of Employment.
  • For Other Specific Workers Mentioned in Article 7(j): The Ministry of Employment.
  • For Self-Employed Workers: BP Tapera (Tapera Management Agency).

Implementation Timeline

Employers have been given a timeframe to comply with this policy. They must register their workers with BP Tapera within 7 years from the effective date of PP 25/2020, setting the deadline in 2027.

Conclusion

President Jokowi emphasized that the Tapera contributions have been carefully calculated to ensure a balanced approach. This initiative is part of a broader strategy to improve housing accessibility for Indonesian citizens by enabling them to save systematically for housing needs. Both employees and self-employed individuals are included in this scheme, each contributing according to their income sources and employment status.

The Tapera policy represents a significant step towards enhancing the welfare of the workforce in Indonesia, ensuring that more citizens can secure decent housing through a structured and fair savings system.


FAQ: Tapera Contributions


Q1: What is Tapera?

  • Tapera (Tabungan Perumahan Rakyat) is a government-initiated savings scheme aimed at helping Indonesian citizens save for housing.

Q2: How much do employees have to contribute to Tapera?

  • Employees contribute 3% of their monthly salary or wages. This is split into 0.5% paid by the employer and 2.5% paid by the employee.

Q3: What about self-employed individuals?

  • Self-employed individuals contribute 3% of their average monthly income from the previous calendar year. They are responsible for the entire contribution.

Q4: When are Tapera contributions due?

  • Employers must deposit employee contributions into the Tapera account by the 10th of the following month. If the 10th is a holiday, the deposit must be made on the next working day.
  • Self-employed individuals must also make their payments by the 10th of each month through designated financial institutions.

Q5: Who regulates the Tapera contributions?

  • The regulation and implementation of Tapera contributions are coordinated by various governmental bodies:
    • For State and Regional Government Employees: The Ministry of Finance and the Ministry of State Apparatus Utilization.
    • For Employees of State-Owned, Regional-Owned, Village-Owned, and Private Enterprises: The Ministry of Employment.
    • For other specific workers mentioned in Article 7(j): The Ministry of Employment.
    • For Self-Employed Workers: BP Tapera (Tapera Management Agency).

Q6: What happens if the 10th falls on a holiday?

  • If the 10th falls on a holiday, the deposit or payment is due on the next working day.

Q7: What is the deadline for employers to register their workers with BP Tapera?

  • Employers must register their workers with BP Tapera no later than 7 years from the effective date of PP 25/2020, which means the registration deadline is in 2027.

Q8: Why has the government implemented this scheme?

  • The Tapera scheme is part of a broader effort to improve housing accessibility for Indonesian citizens by enabling them to systematically save for housing needs.

Q9: How are contributions calculated for self-employed individuals?

  • Contributions for self-employed individuals are based on their average monthly income from the previous calendar year.

Q10: Where do self-employed individuals make their payments?

  • Self-employed individuals make their Tapera payments through custodian banks, holding banks, or other designated financial institutions.

Q11: Are there any exceptions to these contributions?

  • Specific exceptions or additional guidelines may be detailed in related governmental regulations, but generally, all workers and self-employed individuals are expected to participate in the Tapera scheme.

Q12: What if an employer or self-employed individual fails to make the payments on time?

  • The policy mandates timely contributions, and failure to comply may result in penalties or other enforcement actions as prescribed by the regulating bodies.

This FAQ aims to provide a clear understanding of the Tapera contributions and the responsibilities of both employers and self-employed individuals in supporting housing savings for Indonesian citizens.


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