Tapera Disbursement Mechanism, Here Are The Terms And Provisions

The tapera disbursement mechanism (Mouth Cookie Studio-Freepik Image)

YOGYAKARTA - Recently, there has been a stir in discussion regarding Public Housing Savings (Tapera). This time we will discuss what the mechanism for disbursing Tapera is like, see until it's finished!

We must know how to withdraw Tapera deposits, especially for Tapera program participants. Generally, this program helps workers. Both from freelancers, civil servants, and the private sector to have savings for homeownership financing.

The reason is, the Tapera disbursement process has been regulated in the Financial Minister Regulation (PMK) Number 122/PMK.05/2020, which contains procedures for disbursing Tapera deposits in accordance with the announcement number 16/PENG/BP-TPR/II.1/11/2021.

Knowing What Tapera Is

Tapera is a government program that aims to support housing financing for all workers in Indonesia. The main benefit of Tapera is to help participants raise funds regularly that can be used to buy houses.

The government requires Tapera membership for civil servants, private employees, and independent workers who meet the provisions to ensure that all levels of society have the same opportunity in homeownership.

Tapera membership requirements are regulated in Government Regulation (PP) No. 21 of 2024, which was inaugurated on May 20, 2024. Private workers and freelancers who earn a minimum wage equivalent to a minimum wage and are at least 20 years old or have been married are required to become Tapera participants.

Participants who are retired, dismissed, or died, can apply for a disbursement of Tapera deposits according to applicable conditions.

The following is a more in-depth discussion on how to disburse Tapera deposits for private employees, civil servants, and freelancers or freelancers, Wednesday (29/5/2024).

In accordance with the announcement of No. 16/PENG/BP-TPR/II.1/11/2021 on the official Tapera page, the following is the procedure for disbursing applicable deposits.

I. For PPK (Biro/Badan/Ministry of K/L and Regional Government)

Carrying out the updating of participant data through the Manpower Portal.

Changing the status of active workers to retirement, dismissed, or dead through the Manpower Portal.

II. For retired civil servants

Carry out updating of participant data through the Participation Portal.

Fill in personal data, especially account no by including the name according to the savings book and contact number that can be contacted.

III. For Heirs Of Civil Servants Who Are Retired

Send the application file which includes:

Tapera Disbursement Provisions

The process of disbursing Tapera deposits was carried out by the People's Housing Savings Management Agency (BP Tapera) on the following conditions.

Tapera Disbursement Requirements

Sourced from the Regulation of the Minister of Finance No. 122/PMK.05/2020, the following are some of the requirements that must be met to disburse Tapera.

I. Participation Status

Tapera participants are required to ensure that their membership status is still active and in accordance with applicable conditions.

II. End of Participation

Participants can end for various reasons, a kind of pension for Civil Servants (PNS). Not only that, participation can also end if participants die or do not meet the criteria as Participants for 5 consecutive years.

III. Application for Return

For active civil servants, Tapera's refund will be accommodated in the people's housing savings fund account in accordance with applicable conditions. On the other hand, for civil servants who have stopped working because they retire or their heirs if a civil servant dies, the return of Tapera funds will be carried out no later than 3 years after BP Tapera receives the transfer of Tapera funds.

IV. Data Validation

BP Tapera can coordinate with the State Civil Service Agency (BKN) and PT Taspen (Persero) to validate information on the return of Tapera funds.

Speaking of Tapera, it turns out: "The Tapera Program Is Hard to Inflame during the COVID-19 Pandemic Collapses the world".

So after knowing the mechanism for the disbursement of Tapera, see other interesting news on VOI.ID, it's time to revolutionize news!