en
"Monthly salary cut again? Goodness.." the Millennials and Generation Z have been discussing this so much. Public Housing Savings, abbreviated as Tapera, is a financial topic with pros and cons.
Is Tapera placing a burden on multiple parties? According to research by MinETIKS, objections have been raised by workers, entrepreneurs, and business owners alike.
Let's explore Tapera contributions and the process of disbursing Public Housing Savings. This is essential information for you, FinTERZ! It's time to equip ourselves with knowledge.
Tapera, also known as Public Housing Savings, is a government-initiated savings program that gathers funds for housing financing. Although it may seem new, Tapera has existed since 2020.
The Public Housing Savings program, which used to be exclusively for civil servants or PNS, now also applies to private sector employees. This means that Tapera contributions are now required from civil servants, ASN, TNI-Polri, and BUMN employees and those in the private sector.
The Public Housing Savings Contribution aims to provide decent and affordable housing for its participants. President Jokowi emphasized legal regulations on 20 May 2024 regarding implementing Public Housing Savings, also known as Tapera. Tapera can be utilized for:
Even though tiny homes can provide decent living space, many Millennials and members of Generation Z object to the large fees they have to pay. Several financial experts have commented on Tapera, which is considered a burden on middle-class people.
Not infrequently, financial experts also believe that it would benefit the government to maximize BPJS Employment. If you want to learn more about BPJS Employment, you can check it out here.
But how much do we have to pay for Tapera, and what is the payment system? Please ensure you understand the amount of contributions that need to be paid for the following Public Housing Savings.
After updating the Tapera regulations, the government plans to reduce the salaries of civil servants and private workers by 3%. The question is whether the workers should bear the total contribution. Please pay attention to the following division:
Given the current situation, it's crucial that we exercise prudence with our finances and carefully evaluate potential adjustments to our budget.
You can begin managing your finances with the personal finance app FINETIKS, available on Google Play and the App Store. This app uses AI technology to record monthly expenses, which is safe.
All communities must pay Tapera contributions according to government-set criteria. Below are the requirements for participating in Public Housing Savings contributions:
Badan Pengelola Tapera (BP Tapera) will manage your fees on the 10th of every month. These fees can be disbursed when your membership ends. There are four reasons for Tapera membership to end:
If you fail to meet the eligibility criteria as a participant for 5 consecutive years, your membership in the Public Housing Savings program may be terminated, FinTERZ.
The government mandates that entrepreneurs and business owners register their workers within 7 years of the enactment of Tapera. This means that individuals who meet the participant criteria are required to make contributions by May 2027.
What are your thoughts on Tapera's contribution policy, FinTERZ? Remember to share this article with your friends and begin managing your finances regularly from now on!
