Tapera Deposit Considered A Burden, Employee Salaries Cut 2.5 Percent Per 10 Per Month

A special house for low-income people in Magelang, Central Java, which was handed over by the Ministry of PUPR. BETWEEN/HO-Ministry of PUPR/am.

JAKARTA - The government regulation (PP), which regulates the Public Housing Savings (Tapera), states that participant contributions are deposited no later than the 10th of each month to the Tapera fund account. This Tapera deposit is in the spotlight because it is considered a burden.

"Public Housing Savings, which is further called Tapera, is the storage carried out by participants periodically within a certain period of time which can only be used for housing and/or returned along with the results of the burial after the participation ends," said Article 1 paragraph 1 PP Number 21 of 2024 concerning Amendments to PP Number 25 of 2020 concerning the Implementation of Public Housing Savings, quoted by ANTARA, Tuesday, May 28.

Based on the provisions of Article 20 paragraph 2 of PP Number 25 of 2020, which has not changed in PP Number 21 of 2024, it is stated that employers are required to deposit savings as referred to in Article 20 paragraph 1 every month, no later than the 10th of the following month from the deposit month concerned to the Tapera fund account.

Article 20 paragraph 1 of PP 25/2020, which has not changed in PP Number 21 of 2024, states that employers are obliged to pay participants' savings which are their obligations and collect participants' savings which are the obligations of their workers who are participants.

The amount of participant savings is set at three percent of the salary or wages for worker participants and income for independent worker participants as stated in the provisions of Article 15 paragraph 1 PP 25/2020, which has not changed in PP Number 21 of 2024.

Then, in the provisions of Article 15 paragraph 2 of PP Number 25 of 2020 which also did not change in PP Number 21 of 2024, it was stated that the amount of participant savings as referred to in paragraph 1 for workers participants was borne together by employers of 0.5 percent and workers of 2.5 percent.

Also, the amount of participants' savings for independent workers' participants is borne by independent workers as stipulated in Article 15 paragraph 3 of PP 25/2020, which has not changed in PP Number 21 of 2024.

The amount of contributions participating in Tapera workers from SOEs, village-owned enterprises, to private companies is regulated by the Minister of Manpower (Menaker) based on Article 15 paragraph 4 letter b PP Number 21 of 2024.

Meanwhile, the amount of Tapera contributions for worker participants from ASN according to Article 15 paragraph 4 letter a PP Number 21 of 2024 is workers who receive salaries or wages sourced from state revenue and expenditure budgets and regional income and expenditure budgets regulated by ministers who organize government affairs in the financial sector (Menkeu) by coordinating with ministers who administer government affairs in the use of state apparatus (Menpan RB).

Then, related to the basic calculation provisions to determine the multiplication of the amount of deposits for independent workers is regulated by BP Tapera, as stated in Article 15 paragraph 4 letter d PP Number 21 of 2024.

As for the provisions of Article 15 paragraph 5 of PP Number 21 of 2024, it is stated that the minister who organizes government affairs in the financial sector, the minister who organizes government affairs in the employment sector, and the Commissioner of BP Tapera in regulating the basis for calculations to determine the multiplication of the amount of participants' savings as referred to in paragraph 4 in coordination with the minister who organizes government affairs in the housing and residential areas.