Ministry of MSMEs Reminds E-Commerce Traders: BPJS Membership Required for Incentives

The Ministry of Micro, Small, and Medium Enterprises (UMKM) has stated that participation in the Health and Employment Social Security Agency (BPJS Kesehatan and BPJS Ketenagakerjaan) programmes is a requirement for businesses operating on marketplaces or e-commerce platforms to obtain government facilities and incentives within the electronic trading ecosystem.

Deputy for Small Businesses at the Ministry of UMKM, Temmy Satya Permana, told journalists in Jakarta on Wednesday that this provision is not a new rule introduced by Ministerial Regulation No. 3 of 2026 on the Protection and Competitiveness Enhancement of Micro and Small Enterprises in Electronic Commerce (PMSE). He noted that the obligation had already been stipulated in previous regulations, while the ministerial regulation merely reinforces its implementation in the context of protecting business actors and workers within the digital commerce ecosystem. The incentives include reductions in marketplace service fees of up to 50 percent.

“Actually, the rule is not in that ministerial regulation; we are just reinforcing previous regulations. What is certain is that we want all workers to be protected,” Temmy said.

The obligation to participate in BPJS is governed by Law No. 40 of 2004 on the National Social Security System (SJSN) and Law No. 24 of 2011 on BPJS. Under these laws, social security membership is mandatory for all Indonesian residents. Employers are also required to register themselves and their workers in both the Health and Employment BPJS programmes.

According to Temmy, social security protection is crucial for all workers regardless of the scale of the enterprise they work for, as the risk of workplace accidents exists across all business sectors. He cited the example of workers in small food businesses, such as fried snack sellers, who still face occupational accident risks while carrying out their business activities and therefore require social security protection.

Nevertheless, Temmy assured that the implementation of this provision will not be rigidly applied to micro and small enterprises. The Ministry of MSMEs is currently developing a mechanism that provides flexibility or discretion for micro and small business groups, including in the implementation of various incentives regulated under Ministerial Regulation No. 3 of 2026.

“When it comes to micro and small businesses, there will be discretion later. We are currently drafting it, including the 50 percent incentive. It won’t be that detailed, nor that complicated,” he said.