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Exploring the Controversy Surrounding TAPERA

“Exploring the Controversy Surrounding TAPERA”

Indonesia's Tabungan Perumahan Rakyat (Tapera), or Housing Fund for the People, has been a program shrouded in debate since its inception. While its goal of facilitating homeownership for Indonesians is commendable, its implementation has sparked controversy. The controversy surrounding Tapera underscores the complexities of implementing social welfare programs that require mandatory contributions from citizens.

Tapera is a mandatory savings program aimed at providing affordable housing options for workers. It functions similarly to a pension plan, with contributions deducted from salaries. According to Peraturan Pemerintah (Government Regulation) Number 21 of 2024, the contribution is set at 3% of an individual's salary. This burden is shared between employers (0.5%) and employees (2.5%) for formal workers. Self-employed individuals contribute the full 3% (

Despite its intentions, the implementation of Tapera has not been smooth. The Indonesian Labor Party (Partai Buruh) has been particularly vocal against the program, announcing plans to challenge it in the Constitutional Court (Mahkamah Konstitusi or MK). The party's main argument is that Tapera imposes an additional financial burden on workers, who are already grappling with various economic challenges, therefore impacting their overall financial well-being (

In response to the mounting opposition, key government figures, including the Minister of Public Works and Housing (PUPR), Basuki Harimuljono, and the Finance Minister (Menteri Keuangan), Sri Mulyani, have agreed to postpone the implementation of Tapera. The delay is intended to provide more time for the government to refine the program and address the concerns raised by various stakeholders (

What do you think about the Tapera program? Share your thoughts down below!


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