Tapera Now Uses a Contractual Scheme, What Is It?

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

Commissioner of the People’s Housing Savings Management Agency (BP Tapera) Heru Pudyo Nugroho stated that the programme’s concept is changing from being mandatory to contractual.

BP Tapera has also conducted outreach to several workers’ organisations and received positive responses from labour unions.

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

Currently, the process is at the stage of strengthening the academic draft and consolidating with various stakeholders.

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

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

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

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

However, he did not detail which banks will be involved. According to him, the selection of partner banks will go through an assessment process with certain criteria that will be further regulated.

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 formulating the concept of contractual savings for housing (CSH).

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