Benefits Obtained by Private Employees Participating in the Tapera Program with a 2.5% Monthly Salary Deduction

The benefits obtained by private employees participating in the Tapera Program from a 2.5% monthly salary deduction.

Benefits Obtained by Private Employees Participating in the Tapera Program with a 2.5% Monthly Salary Deduction

Dream - The People's Housing Savings Program (Tapera) implemented by the government will be imposed on all workers. Not only Civil Servants and Members of the TNI/Police, but also employees of State-Owned Enterprises (BUMN) and private sectors will be encouraged to participate in the program.

Employees who are registered as participants of Tapera will be deducted 3 percent of their salary. The deduction portion, 0.5 percent each, will be paid by the employer and 2.5 percent by the employee themselves.

"President Joko Widodo has requested a review of the amount of the deduction in order to assess whether it burdens the society or not. However, if we reflect on the previous policy of BPJS Health insurance contributions which received rejection from the society, now the program can run smoothly because of the direct benefits felt by the participants."

"Like before with BPJS, outside of BPI which is free for 96 million people, it's also crowded. But after it's implemented, I think I can feel the benefits that hospitals are not charging fees. Those are the things that will be felt after implementation if not used to the pros and cons,"

clear Jokowi quoted from Merdeka.com, Tuesday, May 28, 2024.

"Benefits of Tapera Savings"

With the provision that all employees must be registered, what are the benefits of Tapera savings for private workers in the future? Commissioner of BP Tapera, Heru Pudyo Nugroho, explained that this new policy is an effort by the government to improve the effectiveness of implementation and accountability of the management of the People's Housing Savings fund.

In English, the translation of the given 'Bahasa' text while preserving the html tags is as follows: "In the future, the deducted worker's salary will be periodically saved by the participant for a certain period of time, which can only be used for housing financing or returned as the principal savings along with the accumulated results after the membership ends."

Heru revealed, the benefits of Tapera will be greatly felt, especially for participants who fall into the Low Income Society (MBR) category. One of them is that participants can have housing through Home Ownership Credit (KPR) financing.

Not only can participants who already own land benefit from the Home Construction Credit (KBR) and Home Renovation Credit (KRR), but they can also obtain a new house. For these loans, a term of up to 30 years is provided with a fixed interest rate below the market.

For the community who falls into the low-income category and does not yet own their first home, they can apply for Tapera financing benefits, as long as they have become Tapera participants.

"In the management of Tapera funds, BP Tapera prioritizes transparency and accountability in accordance with the principles of Good Corporate Governance (GCG) and is under the direct supervision of the Tapera Committee, the Financial Services Authority, and the Financial Audit Board."

"paparnya." in English is "its exposition."

The funds collected from participants will be managed by BP Tapera as deposits that will be returned to participants after the membership period ends. "The funds returned to Tapera participants when their membership period ends consist of a certain amount of principal deposits along with the returns on investment," concluded Heru.

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