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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...

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AMWP Advocates is an Indonesian advocates' partnership network of experienced Indonesian lawyer(s) and attorney(s) (advocate(s), Indonesian 'advokat', 'pengacara') founded by Andrey Mario Wahyu, S.H., M.H., an Indonesian advocate and legal practitioner with more than 10 years of experience, fully admitted and licensed to practice the law within Indonesian jurisdiction under the Advocate Law and PERADI (Indonesian Bar Association), member of the Praktisi Mengajar (Practitioner's Teaching Program of the Ministry of Education), and author/co-author/contributor and researcher with ORCID Number 0009-0006-4177-4880 (https://orcid.org/0009-0006-4177-4880).

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