We have an important update for all our Indonesia-based clients using our Payroll Module and Payroll Outsourcing services. Starting in 2027, the Indonesian government will enforce a new regulation that could significantly impact your business operations.
What is TAPERA?
The Tabungan Perumahan Rakyat (TAPERA), or Public Housing Savings, is a government-initiated program designed to provide affordable housing financing to enhance national welfare. This initiative was formalized through Government Regulation No. 21 of 2024, amending the earlier Government Regulation No. 25 of 2020.
Who is Affected?
The new amendment, introduced in May 2024, mandates savings contributions from both employers and employees who meet the following criteria:
- Age: 20 years and above
- Marital Status: Married
- Income: Above the minimum wage
- Employment Categories:
- Private Employees
- Self-Employed Individuals
- Civil Servants
- Indonesian National Military (TNI)
- Civil Service Applicants
- State-Owned Enterprise (BUMN) Employees
- Provincially Owned Corporation (BUMD) Employees
- Privately Owned Enterprise (BUMS) Employees
Contribution Details
- Employers are required to contribute 0.5% of the employee's salary.
- Employees will have 2.5% of their salary deducted monthly.
Implementation Timeline
While this regulation is set to take effect in 2027, the Ministry of Public Works and Housing (PUPR) announced in July 2024 that mandatory participation will be phased in to ensure a smooth transition.
References
For more details, please refer to:
- Details and Requirements of TAPERA Program
- Government Regulation Number 21 of 2024 Document (Indonesian Language)
Given that this information is relatively new, we anticipate further updates. We will provide additional information as it becomes available. In the meantime, we recommend reviewing these updates to assess their potential impact on your business.
Need Assistance?
If you have any questions or require assistance, please reach out to our support team via live chat or email us at support@briohr.com.