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Ada Pertanyaan? Hubungi Kami Marcell Sihombing, Rofiq Hidayat
Parliament complex. Photo by: RES
There's good news for low-income citizens looking to buy houses here while property prices continue to skyrocket. During a plenary session presided over by Agus Hermanto, the Vice-Chair of the House of Representatives (House), the controversial Draft Bill on Public-Housing Savings (Tabungan Perumahan Rakyat - Tapera) was finally passed into law. The public-housing savings program established by this new bill will facilitate greater access to bank-financing loans for the general public.
In his accountability report, Yoseph Umar Hadi, Chairman of the Special Committee (Panitia Khusus)responsible for the passage of the newly established bill, asserted that the country’s financial capacities remained highly limited from year to year. According to Mr. Hadi, each time a new administration takes charge, it is overwhelmed by the need to satisfy the housing needs of the nation’s tens of millions of impoverished citizens.
By way of example, Mr. Hadi pointed to the Housing Financing Liquidity Facility Program (Program Fasilitas Likuiditas Pembiayaan Perumahan – FLPP), which was established by the previous administration five years ago. Despite the allocation of some IDR 5-7 trillion in funds for the FLPP, the administration ultimately failed to satisfy the needs of its citizens as regards the need for adequate housing. Mr. Hadi, however, firmly believes that the Bill on Public-Housing Savings (“Bill”) can succeed where previous initiatives have failed as regards finding a solution to this, “extremely sensitive,” issue.
“The Bill is also seeking to implement Indonesia’s fundamental ideology of Pancasila,” asserted Mr. Hadi from the House Office on Tuesday, 23 February 2016.
As it has now passed into law, the Bill will now officially serve as a regulatory framework for the government and will oblige both Indonesian citizens and foreign citizens working in Indonesia to save a portion of their incomes in an appointed custodian bank. This bank will be managed by a Public-Housing Savings Management Board, which will utilize the collected funds for the procurement of proper and affordable housing. Customers may utilize the accumulated saving funds to purchase, construct, or renovate their first homes, while any excess funds will be disbursed when customers reach 58 years of age or enter retirement.
“This is the very essence of Indonesian solidarity. Affluent citizens who already own their own homes will voluntarily set aside some of their incomes to be deposited in saving accounts at a low rate of interest in order to help low-income citizens,” asserted Mr. Hadi.
According to Mr. Hadi, this so-called solidarity is reflected by the obligation placed on employers, including on the government as regards government officials and business owners as regards their employees. It is important to note, however, that these shared funds will be further controlled under a government regulation, so that they can easily be adjusted to the most recent economic developments.
Mr. Hadi also expressed his hope that the Bill would not only collect saving funds from mandatory participants, such as formal workers employed by businesses and independent workers, but also from workers whose salaries fall below the minimum wage. Furthermore, Tapera will also allow for retired workers to become participants in the scheme.
“If more funds can be collected, then the Management Board’s duty to provide cheap and affordable house becomes easier,” asserted Mr. Hadi.
The Bill itself comprises of a total of 12 chapters and 82 articles, and also mandates for the establishment of various implementing regulations, including seven government regulations, one presidential regulation, one presidential decree, and 10 Management Board regulations.
“This Bill will offer legal certainty to our [impoverished] brothers and sisters and show them that owning a house is no longer a dream. They will surely be able to have houses of their own,” Mr. Hadi emphasized.
Basuki Hadimuljono, the Minister of Public Works and Public Housings, lauded the passing of the Bill on behalf of President Joko Widodo. According to Hadimuljono, the establishment of the regulatory framework for the Tapera program represents the government’s effort to provide proper housing for Indonesia’s citizens, especially its low-income citizens.
“This Bill shows that the government cares about the population’s housing needs by allowing them to secure a house through low-interest loans,” Minister Basuki concluded.
Implementing Regulations
Commenting on this issue, lawmaker Bahrum Daido from House Commission IV asserted that the government needed to immediately issue the necessary implementing regulations relating to the Bill. Daido was referring specifically to the provisions set out in Article 18 (1) of the Bill, which state that, “Employers must pay their portions of the savings and also collect the portions of savings from their participating workers.”
According to lawmaker Daido, without sufficient implementing regulations, the Bill will be rendered ineffective. Therefore, the issuance of implementing regulations will immediately grant wider access to workers as regards the securing of home ownership.
“I am urging the government to immediately issue a regulation, specifically covering Article 18 (1) of the Bill, which is its core provision,” asserted lawmaker Daido.
Minister Hadimuljono is of the same opinion as lawmaker Daido, and believes that the government needs to immediately issue the necessary implementing regulations. According to the Minister, a government regulation and similar implementing regulations can set out proper technical-implementation guidelines which will satisfy the public need for proper housing.
“Incorporating the FLPP into the Tapera program may work too, considering the fact that both programs have the same objective, namely the procurement of affordable housing,” Minister Hadimuljono concluded.
In his accountability report, Yoseph Umar Hadi, Chairman of the Special Committee (Panitia Khusus)responsible for the passage of the newly established bill, asserted that the country’s financial capacities remained highly limited from year to year. According to Mr. Hadi, each time a new administration takes charge, it is overwhelmed by the need to satisfy the housing needs of the nation’s tens of millions of impoverished citizens.
By way of example, Mr. Hadi pointed to the Housing Financing Liquidity Facility Program (Program Fasilitas Likuiditas Pembiayaan Perumahan – FLPP), which was established by the previous administration five years ago. Despite the allocation of some IDR 5-7 trillion in funds for the FLPP, the administration ultimately failed to satisfy the needs of its citizens as regards the need for adequate housing. Mr. Hadi, however, firmly believes that the Bill on Public-Housing Savings (“Bill”) can succeed where previous initiatives have failed as regards finding a solution to this, “extremely sensitive,” issue.
“The Bill is also seeking to implement Indonesia’s fundamental ideology of Pancasila,” asserted Mr. Hadi from the House Office on Tuesday, 23 February 2016.
As it has now passed into law, the Bill will now officially serve as a regulatory framework for the government and will oblige both Indonesian citizens and foreign citizens working in Indonesia to save a portion of their incomes in an appointed custodian bank. This bank will be managed by a Public-Housing Savings Management Board, which will utilize the collected funds for the procurement of proper and affordable housing. Customers may utilize the accumulated saving funds to purchase, construct, or renovate their first homes, while any excess funds will be disbursed when customers reach 58 years of age or enter retirement.
“This is the very essence of Indonesian solidarity. Affluent citizens who already own their own homes will voluntarily set aside some of their incomes to be deposited in saving accounts at a low rate of interest in order to help low-income citizens,” asserted Mr. Hadi.
According to Mr. Hadi, this so-called solidarity is reflected by the obligation placed on employers, including on the government as regards government officials and business owners as regards their employees. It is important to note, however, that these shared funds will be further controlled under a government regulation, so that they can easily be adjusted to the most recent economic developments.
Mr. Hadi also expressed his hope that the Bill would not only collect saving funds from mandatory participants, such as formal workers employed by businesses and independent workers, but also from workers whose salaries fall below the minimum wage. Furthermore, Tapera will also allow for retired workers to become participants in the scheme.
“If more funds can be collected, then the Management Board’s duty to provide cheap and affordable house becomes easier,” asserted Mr. Hadi.
The Bill itself comprises of a total of 12 chapters and 82 articles, and also mandates for the establishment of various implementing regulations, including seven government regulations, one presidential regulation, one presidential decree, and 10 Management Board regulations.
“This Bill will offer legal certainty to our [impoverished] brothers and sisters and show them that owning a house is no longer a dream. They will surely be able to have houses of their own,” Mr. Hadi emphasized.
Basuki Hadimuljono, the Minister of Public Works and Public Housings, lauded the passing of the Bill on behalf of President Joko Widodo. According to Hadimuljono, the establishment of the regulatory framework for the Tapera program represents the government’s effort to provide proper housing for Indonesia’s citizens, especially its low-income citizens.
“This Bill shows that the government cares about the population’s housing needs by allowing them to secure a house through low-interest loans,” Minister Basuki concluded.
Implementing Regulations
Commenting on this issue, lawmaker Bahrum Daido from House Commission IV asserted that the government needed to immediately issue the necessary implementing regulations relating to the Bill. Daido was referring specifically to the provisions set out in Article 18 (1) of the Bill, which state that, “Employers must pay their portions of the savings and also collect the portions of savings from their participating workers.”
According to lawmaker Daido, without sufficient implementing regulations, the Bill will be rendered ineffective. Therefore, the issuance of implementing regulations will immediately grant wider access to workers as regards the securing of home ownership.
“I am urging the government to immediately issue a regulation, specifically covering Article 18 (1) of the Bill, which is its core provision,” asserted lawmaker Daido.
Minister Hadimuljono is of the same opinion as lawmaker Daido, and believes that the government needs to immediately issue the necessary implementing regulations. According to the Minister, a government regulation and similar implementing regulations can set out proper technical-implementation guidelines which will satisfy the public need for proper housing.
“Incorporating the FLPP into the Tapera program may work too, considering the fact that both programs have the same objective, namely the procurement of affordable housing,” Minister Hadimuljono concluded.
(rfs/sp)
Marcell Sihombing, Rofiq Hidayat
Parliament complex. Photo by: RES
There's good news for low-income citizens looking to buy houses here while property prices continue to skyrocket. During a plenary session presided over by Agus Hermanto, the Vice-Chair of the House of Representatives (House), the controversial Draft Bill on Public-Housing Savings (Tabungan Perumahan Rakyat - Tapera) was finally passed into law. The public-housing savings program established by this new bill will facilitate greater access to bank-financing loans for the general public.
In his accountability report, Yoseph Umar Hadi, Chairman of the Special Committee (Panitia Khusus)responsible for the passage of the newly established bill, asserted that the country’s financial capacities remained highly limited from year to year. According to Mr. Hadi, each time a new administration takes charge, it is overwhelmed by the need to satisfy the housing needs of the nation’s tens of millions of impoverished citizens.
By way of example, Mr. Hadi pointed to the Housing Financing Liquidity Facility Program (Program Fasilitas Likuiditas Pembiayaan Perumahan – FLPP), which was established by the previous administration five years ago. Despite the allocation of some IDR 5-7 trillion in funds for the FLPP, the administration ultimately failed to satisfy the needs of its citizens as regards the need for adequate housing. Mr. Hadi, however, firmly believes that the Bill on Public-Housing Savings (“Bill”) can succeed where previous initiatives have failed as regards finding a solution to this, “extremely sensitive,” issue.
“The Bill is also seeking to implement Indonesia’s fundamental ideology of Pancasila,” asserted Mr. Hadi from the House Office on Tuesday, 23 February 2016.
As it has now passed into law, the Bill will now officially serve as a regulatory framework for the government and will oblige both Indonesian citizens and foreign citizens working in Indonesia to save a portion of their incomes in an appointed custodian bank. This bank will be managed by a Public-Housing Savings Management Board, which will utilize the collected funds for the procurement of proper and affordable housing. Customers may utilize the accumulated saving funds to purchase, construct, or renovate their first homes, while any excess funds will be disbursed when customers reach 58 years of age or enter retirement.
“This is the very essence of Indonesian solidarity. Affluent citizens who already own their own homes will voluntarily set aside some of their incomes to be deposited in saving accounts at a low rate of interest in order to help low-income citizens,” asserted Mr. Hadi.
According to Mr. Hadi, this so-called solidarity is reflected by the obligation placed on employers, including on the government as regards government officials and business owners as regards their employees. It is important to note, however, that these shared funds will be further controlled under a government regulation, so that they can easily be adjusted to the most recent economic developments.
Mr. Hadi also expressed his hope that the Bill would not only collect saving funds from mandatory participants, such as formal workers employed by businesses and independent workers, but also from workers whose salaries fall below the minimum wage. Furthermore, Tapera will also allow for retired workers to become participants in the scheme.
“If more funds can be collected, then the Management Board’s duty to provide cheap and affordable house becomes easier,” asserted Mr. Hadi.
The Bill itself comprises of a total of 12 chapters and 82 articles, and also mandates for the establishment of various implementing regulations, including seven government regulations, one presidential regulation, one presidential decree, and 10 Management Board regulations.
“This Bill will offer legal certainty to our [impoverished] brothers and sisters and show them that owning a house is no longer a dream. They will surely be able to have houses of their own,” Mr. Hadi emphasized.
Basuki Hadimuljono, the Minister of Public Works and Public Housings, lauded the passing of the Bill on behalf of President Joko Widodo. According to Hadimuljono, the establishment of the regulatory framework for the Tapera program represents the government’s effort to provide proper housing for Indonesia’s citizens, especially its low-income citizens.
“This Bill shows that the government cares about the population’s housing needs by allowing them to secure a house through low-interest loans,” Minister Basuki concluded.
Implementing Regulations
Commenting on this issue, lawmaker Bahrum Daido from House Commission IV asserted that the government needed to immediately issue the necessary implementing regulations relating to the Bill. Daido was referring specifically to the provisions set out in Article 18 (1) of the Bill, which state that, “Employers must pay their portions of the savings and also collect the portions of savings from their participating workers.”
According to lawmaker Daido, without sufficient implementing regulations, the Bill will be rendered ineffective. Therefore, the issuance of implementing regulations will immediately grant wider access to workers as regards the securing of home ownership.
“I am urging the government to immediately issue a regulation, specifically covering Article 18 (1) of the Bill, which is its core provision,” asserted lawmaker Daido.
Minister Hadimuljono is of the same opinion as lawmaker Daido, and believes that the government needs to immediately issue the necessary implementing regulations. According to the Minister, a government regulation and similar implementing regulations can set out proper technical-implementation guidelines which will satisfy the public need for proper housing.
“Incorporating the FLPP into the Tapera program may work too, considering the fact that both programs have the same objective, namely the procurement of affordable housing,” Minister Hadimuljono concluded.
In his accountability report, Yoseph Umar Hadi, Chairman of the Special Committee (Panitia Khusus)responsible for the passage of the newly established bill, asserted that the country’s financial capacities remained highly limited from year to year. According to Mr. Hadi, each time a new administration takes charge, it is overwhelmed by the need to satisfy the housing needs of the nation’s tens of millions of impoverished citizens.
By way of example, Mr. Hadi pointed to the Housing Financing Liquidity Facility Program (Program Fasilitas Likuiditas Pembiayaan Perumahan – FLPP), which was established by the previous administration five years ago. Despite the allocation of some IDR 5-7 trillion in funds for the FLPP, the administration ultimately failed to satisfy the needs of its citizens as regards the need for adequate housing. Mr. Hadi, however, firmly believes that the Bill on Public-Housing Savings (“Bill”) can succeed where previous initiatives have failed as regards finding a solution to this, “extremely sensitive,” issue.
“The Bill is also seeking to implement Indonesia’s fundamental ideology of Pancasila,” asserted Mr. Hadi from the House Office on Tuesday, 23 February 2016.
As it has now passed into law, the Bill will now officially serve as a regulatory framework for the government and will oblige both Indonesian citizens and foreign citizens working in Indonesia to save a portion of their incomes in an appointed custodian bank. This bank will be managed by a Public-Housing Savings Management Board, which will utilize the collected funds for the procurement of proper and affordable housing. Customers may utilize the accumulated saving funds to purchase, construct, or renovate their first homes, while any excess funds will be disbursed when customers reach 58 years of age or enter retirement.
“This is the very essence of Indonesian solidarity. Affluent citizens who already own their own homes will voluntarily set aside some of their incomes to be deposited in saving accounts at a low rate of interest in order to help low-income citizens,” asserted Mr. Hadi.
According to Mr. Hadi, this so-called solidarity is reflected by the obligation placed on employers, including on the government as regards government officials and business owners as regards their employees. It is important to note, however, that these shared funds will be further controlled under a government regulation, so that they can easily be adjusted to the most recent economic developments.
Mr. Hadi also expressed his hope that the Bill would not only collect saving funds from mandatory participants, such as formal workers employed by businesses and independent workers, but also from workers whose salaries fall below the minimum wage. Furthermore, Tapera will also allow for retired workers to become participants in the scheme.
“If more funds can be collected, then the Management Board’s duty to provide cheap and affordable house becomes easier,” asserted Mr. Hadi.
The Bill itself comprises of a total of 12 chapters and 82 articles, and also mandates for the establishment of various implementing regulations, including seven government regulations, one presidential regulation, one presidential decree, and 10 Management Board regulations.
“This Bill will offer legal certainty to our [impoverished] brothers and sisters and show them that owning a house is no longer a dream. They will surely be able to have houses of their own,” Mr. Hadi emphasized.
Basuki Hadimuljono, the Minister of Public Works and Public Housings, lauded the passing of the Bill on behalf of President Joko Widodo. According to Hadimuljono, the establishment of the regulatory framework for the Tapera program represents the government’s effort to provide proper housing for Indonesia’s citizens, especially its low-income citizens.
“This Bill shows that the government cares about the population’s housing needs by allowing them to secure a house through low-interest loans,” Minister Basuki concluded.
Implementing Regulations
Commenting on this issue, lawmaker Bahrum Daido from House Commission IV asserted that the government needed to immediately issue the necessary implementing regulations relating to the Bill. Daido was referring specifically to the provisions set out in Article 18 (1) of the Bill, which state that, “Employers must pay their portions of the savings and also collect the portions of savings from their participating workers.”
According to lawmaker Daido, without sufficient implementing regulations, the Bill will be rendered ineffective. Therefore, the issuance of implementing regulations will immediately grant wider access to workers as regards the securing of home ownership.
“I am urging the government to immediately issue a regulation, specifically covering Article 18 (1) of the Bill, which is its core provision,” asserted lawmaker Daido.
Minister Hadimuljono is of the same opinion as lawmaker Daido, and believes that the government needs to immediately issue the necessary implementing regulations. According to the Minister, a government regulation and similar implementing regulations can set out proper technical-implementation guidelines which will satisfy the public need for proper housing.
“Incorporating the FLPP into the Tapera program may work too, considering the fact that both programs have the same objective, namely the procurement of affordable housing,” Minister Hadimuljono concluded.
(rfs/sp)