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Dream - The policy of the Home Savings Fund (Tapera) contribution, which now targets private and self-employed workers, has received protests from the public, employers, and workers.
The government imposes a contribution of 3 percent with a composition of 2.5 percent borne by workers and 0.5 percent borne by employers. Meanwhile, self-employed workers will bear the payment themselves. This new regulation is stipulated in Government Regulation (PP) Number 21 of 2024 concerning Amendments to PP Number 25 of 2020 concerning the Implementation of the People's Housing Savings (Tapera) signed by President Jokowi on May 20, 2024.
Self-employed workers are not allowed to refuse or not participate in Tapera. The same goes for private companies, as there will be sanctions in the future.
"Strong protests are voiced by various parties, ranging from business associations, laborers, to netizens who express their opinions on various social media platforms. Many feel burdened because in addition to Tapera, workers' salaries have also been deducted with many other contribution policies."
Until now, discussions about Tapera are still a hot topic on social media X. Many memes discuss their disagreement with Tapera. To the extent that some even make tutorials on moving to another country.
"Because of recent cases like Bea Cukai, Tapera, and expensive UKT, many people are complaining and want to change their citizenship. How do they do it? I try to summarize the requirements for applying for citizenship in several alternative countries. 😄 A thread 🏵️," wrote the account @ghozyulhaq, who created a thread on the requirements for applying for new citizenship in various countries.
"Tapera is an abbreviation of Tabungan Perumahan Rakyat, which means People's Housing Savings. This term is also often parodied by the residents of X with other meanings. 'POV Middle-class employees during payday. Tapera: Tabungan Pemeras Rakyat,' wrote the account @KangManto123. 'Tapera. Tabungan Perumahan Rakyat. Or Tabungan Penderitaan Rakyat? Akhhhhh~~,' wrote the artist Kiky Saputri in the account @kikysaputrii."
"If we calculate it until retirement (let's say working for 30 years), TAPERA only provides approximately this amount, guys, if your salary is around 5 million. Maybe the abbreviation stands for Tabungan Pemakaman Rakyat (Public Funeral Savings) :(," wrote the account @ezash."
There are also those who post pictures of shabby houses that are the result of saving through Tapera housing savings. "Houses resulting from saving through Tapera," wrote the @BigAlphaID account.
It turns out that self-employed workers are not allowed to refuse or not participate in the Tapera membership.
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