Tapera Law Changes Concept, Workers' Unions Said to Have Agreed

JAKARTA, KOMPAS.com - The development of the People’s Housing Savings Law (UU Tapera) continues to progress ahead of the planned implementation in 2027.

Commissioner of the People’s Housing Savings Management Agency (BP Tapera) Heru Pudyo Nugroho stated that BP Tapera has conducted outreach to several workers’ organisations.

Heru mentioned that at least three confederations and federations of workers’ unions have been met, including groups that previously filed a lawsuit against Tapera.

“With the new concept that is no longer mandatory but based on contractual terms, the workers’ unions have already expressed support,” he said on Thursday (16/04/2026).

Currently, the process is still at the stage of strengthening the academic paper and consolidation with various stakeholders.

“Yes, we support it from the academic paper side, then conduct dissemination with all stakeholders to strengthen the academic paper study,” Heru said.

On the other hand, the legislative process is said to still be awaiting further stages in parliament. Related documents are known to have been submitted to the Indonesian House of Representatives (DPR RI) for further discussion.

“It has already been submitted to the Legislation Body,” Heru said.

Meanwhile, regarding the fund management scheme, Heru assured that Tapera will still involve the banking sector, as practised in several other countries.

“We will assess the eligibility as partner banks with certain conditions that are regulated,” he said.

Heru added that after the law is enacted, the government will immediately prepare derivative regulations, starting from Government Regulations (PP) to other technical regulations, including those from the new body to be established through the law.

BP Tapera is currently developing the concept of contractual savings for housing (CSH).

This is part of the future business model development for Tapera following the Constitutional Court (MK) decision. The MK ruled that workers are not required to become Tapera participants, so they do not have to save every month.