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20 May 2024: Legal Overview on Tapera (Tabungan Perumahan Rakyat), the "Citizen's Saving for Housing"

On 20 May 2024, Indonesia promulgated the Government Regulation Number 21 Year 2024 on the Amendment of Government Regulation Number 25 Year 2020 on the Implementation of Citizen's Saving for Housing (Peraturan Pemerintah Nomor 21 Tahun 2024 tentang Perubahan atas Peraturan Pemerintah Nomor 25 Tahun 2020 tentang Penyelenggaraan Tabungan Perumahan Rakyat) , commonly called as the " Tapera " . Referring to its definition, in principle, Tapera is a saving, conducted periodically by the "Participant", that can be utilized only for financing the housing and/or can be returned along with its yield resulted after the one's participation is ended. As stipulated in Article 15 of the Tapera regulation, the "Saving" rate has been set at 3% (three percent) of the "Salary" or "Wage" towards the "Employee Participant" (0.5% by the Employer and 2.5% by the Employee), and of the "Income" towards the "Independent Worker...

Kemitraan pada UMKM (Usaha Mikro, Kecil, dan Menengah)

Berdasarkan Pasal 26 dan penjelasannya dari Undang-Undang Nomor 20 Tahun 2008 tentang Usaha Mikro, Kecil, dan Menengah juncto Undang-Undang Nomor 6 Tahun 2023 tentang Penetapan Peraturan Pemerintah Pengganti Undang-Undang Nomor 2 Tahun 2022 tentang Cipta Kerja menjadi Undang-Undang,

Kemitraan (dapat) dilaksanakan dengan pola:

a. inti-plasma;

b. subkontrak;

c. waralaba;

d. perdagangan umum;

e. distribusi dan keagenan;

f. rantai pasok; dan

g. bentuk-bentuk kemitraan lain.


Penjelasan huruf g:

Yang dimaksud dengan "bentuk-bentuk kemitraan lain" seperti bagi hasil, kerja sama operasional, usahaa patungan (joint venture), dan penyumberluaran (outsourcingl.

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