Ada Pertanyaan? Hubungi Kami 
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Ada Pertanyaan? Hubungi Kami Marcell Sihombing, Ady TD Achmad
Last week, the House of Representatives (House) passed the Draft Bill on Public-Housing Savings (Tabungan Perumahan Rakyat - Tapera) into law, despite strong opposition being voiced by a large proportion of the country’s employers. Workers, on the other hand, appear for the most part to be in support of the bill.
As the Draft Bill has now passed into law however, various workers organizations have now set out a number of conditions which they believe should be met. Said Iqbal, President of the Indonesian Workers Union Confederation (KSPI), recently revealed that workers had been providing input into the Tapera program in preparation for it being effectively enforced. This input encompasses payment of the program’s premiums, which are imposed upon both workers and employers.
“We support the Tapera program, but only under certain conditions,” Mr. Iqbal revealed to the press on Tuesday, 1 March 2016 from Jakarta.
Mr. Iqbal demanded that workers who have been participating in the program for a period of ten years should have the right to withdraw their deposited premiums so that they can purchase property. Furthermore, the Tapera program must be synchronized with the Social Security Agency’s (BPJS) worker housing program, which allows for the withdrawal of up to 30% of a worker’s Retirement Insurance Program (JHT) funds for the purpose of purchasing a property.
Should these two demands be accepted, then workers who have been participating in both Tapera and the BPJS for Workers program for a minimum of 10 years will be able to utilize their deposited funds for the purposes of down payments and installment payments relating to property purchases. It is hoped that when a worker enters retirement, any outstanding installments will have already been paid in full and the workers in question will own their own houses. Obviously, if workers cannot satisfactorily utilize the Tapera program in order to help them with their housing needs, then Mr. Iqbal asserted that the country’s workers would ultimately withdraw their support for the Tapera Bill.
Mr. Iqbal also ventured his opinion as regards the institution which will be responsible for the management of the Tapera program. There are two options on the table regarding this matter, namely incorporating the Tapera program under the BPJS for Workers framework, or – if that’s not possible – then the management of the Tapera program should be delegated to a special institution which has the same public-legal-entity status as the BPJS.
Mr. Iqbal also stated that the social-security insurance scheme adopted under the BPJS for Health program, through which all participants must pay the necessary premiums, despite the fact that only participants requiring medical treatment are allowed to enjoy its benefits, should not apply to the Tapera program. According to Mr. Iqbal, the Tapera program leans more towards a mandatory savings system similar to the JHT and Pension Insurance (JP) programs managed by the BPJS for Workers. Under such mandatory savings schemes, participants can enjoy a range of benefits, dependent on the premiums that they pay.
Mr. Iqbal considers the Tapera program to be a mandatory social-savings program instead of a social-security insurance program for the reason that the government cannot channel funds collected under the Tapera program in order to subsidize low-income citizens who are looking to purchase houses.
If the government really intends to assist low-income citizens to own houses through the Tapera program, Mr. Iqbal suggests, then it should initiate a subsidized housing program instead. Under such a scheme, the government would pay BPJS for Health premiums on behalf of low-income citizens who are participating in the Tapera program.
As for the cultivation of the Tapera funds, Mr. Iqbal suggests that the funds should be invested in instruments closely related to the housing sector, such as land and property. Moreover, the construction of residential property under the Tapera program should be delegated to state-owned enterprises such as Perumnas (the National Housing Company), instead of private companies.
Finally, Mr. Iqbal declared that should the government decide to disregard this worker input, then the country’s labor unions would not hesitate to file for a judicial review, or indeed become an involved party, should another partyfile for such a review with the Constitutional Court.
It is also important to note that Maurin Sitorus, the Director General of Financing for Housing at the Ministry of Public Works and Public Housing has also previously weighed in on this matter, asserting that two institutionswill be established in order to manage the Tapera program.
The first of these institutions will be the Tapera Committee, which will comprise of the Minister of Public Works and Public Housing, the Minister of Finance, the Minister of Employment, and the Financial Services Authority (OJK), as well as a number of professional elements. The second institution will be the Tapera Management Agency (BP Tapera), which is to comprise of four commissioners and one deputy commissioner elected from a pool of possible professionals. Drawing his case to a conclusion, Mr. Sitorus explained that the professionals appointed to each of the above institutions would likely be stakeholders who are either employers or workers.
As the Draft Bill has now passed into law however, various workers organizations have now set out a number of conditions which they believe should be met. Said Iqbal, President of the Indonesian Workers Union Confederation (KSPI), recently revealed that workers had been providing input into the Tapera program in preparation for it being effectively enforced. This input encompasses payment of the program’s premiums, which are imposed upon both workers and employers.
“We support the Tapera program, but only under certain conditions,” Mr. Iqbal revealed to the press on Tuesday, 1 March 2016 from Jakarta.
Mr. Iqbal demanded that workers who have been participating in the program for a period of ten years should have the right to withdraw their deposited premiums so that they can purchase property. Furthermore, the Tapera program must be synchronized with the Social Security Agency’s (BPJS) worker housing program, which allows for the withdrawal of up to 30% of a worker’s Retirement Insurance Program (JHT) funds for the purpose of purchasing a property.
Should these two demands be accepted, then workers who have been participating in both Tapera and the BPJS for Workers program for a minimum of 10 years will be able to utilize their deposited funds for the purposes of down payments and installment payments relating to property purchases. It is hoped that when a worker enters retirement, any outstanding installments will have already been paid in full and the workers in question will own their own houses. Obviously, if workers cannot satisfactorily utilize the Tapera program in order to help them with their housing needs, then Mr. Iqbal asserted that the country’s workers would ultimately withdraw their support for the Tapera Bill.
Mr. Iqbal also ventured his opinion as regards the institution which will be responsible for the management of the Tapera program. There are two options on the table regarding this matter, namely incorporating the Tapera program under the BPJS for Workers framework, or – if that’s not possible – then the management of the Tapera program should be delegated to a special institution which has the same public-legal-entity status as the BPJS.
Mr. Iqbal also stated that the social-security insurance scheme adopted under the BPJS for Health program, through which all participants must pay the necessary premiums, despite the fact that only participants requiring medical treatment are allowed to enjoy its benefits, should not apply to the Tapera program. According to Mr. Iqbal, the Tapera program leans more towards a mandatory savings system similar to the JHT and Pension Insurance (JP) programs managed by the BPJS for Workers. Under such mandatory savings schemes, participants can enjoy a range of benefits, dependent on the premiums that they pay.
Mr. Iqbal considers the Tapera program to be a mandatory social-savings program instead of a social-security insurance program for the reason that the government cannot channel funds collected under the Tapera program in order to subsidize low-income citizens who are looking to purchase houses.
If the government really intends to assist low-income citizens to own houses through the Tapera program, Mr. Iqbal suggests, then it should initiate a subsidized housing program instead. Under such a scheme, the government would pay BPJS for Health premiums on behalf of low-income citizens who are participating in the Tapera program.
As for the cultivation of the Tapera funds, Mr. Iqbal suggests that the funds should be invested in instruments closely related to the housing sector, such as land and property. Moreover, the construction of residential property under the Tapera program should be delegated to state-owned enterprises such as Perumnas (the National Housing Company), instead of private companies.
Finally, Mr. Iqbal declared that should the government decide to disregard this worker input, then the country’s labor unions would not hesitate to file for a judicial review, or indeed become an involved party, should another partyfile for such a review with the Constitutional Court.
It is also important to note that Maurin Sitorus, the Director General of Financing for Housing at the Ministry of Public Works and Public Housing has also previously weighed in on this matter, asserting that two institutionswill be established in order to manage the Tapera program.
The first of these institutions will be the Tapera Committee, which will comprise of the Minister of Public Works and Public Housing, the Minister of Finance, the Minister of Employment, and the Financial Services Authority (OJK), as well as a number of professional elements. The second institution will be the Tapera Management Agency (BP Tapera), which is to comprise of four commissioners and one deputy commissioner elected from a pool of possible professionals. Drawing his case to a conclusion, Mr. Sitorus explained that the professionals appointed to each of the above institutions would likely be stakeholders who are either employers or workers.
(rfs/sp)
Marcell Sihombing, Ady TD Achmad
Last week, the House of Representatives (House) passed the Draft Bill on Public-Housing Savings (Tabungan Perumahan Rakyat - Tapera) into law, despite strong opposition being voiced by a large proportion of the country’s employers. Workers, on the other hand, appear for the most part to be in support of the bill.
As the Draft Bill has now passed into law however, various workers organizations have now set out a number of conditions which they believe should be met. Said Iqbal, President of the Indonesian Workers Union Confederation (KSPI), recently revealed that workers had been providing input into the Tapera program in preparation for it being effectively enforced. This input encompasses payment of the program’s premiums, which are imposed upon both workers and employers.
“We support the Tapera program, but only under certain conditions,” Mr. Iqbal revealed to the press on Tuesday, 1 March 2016 from Jakarta.
Mr. Iqbal demanded that workers who have been participating in the program for a period of ten years should have the right to withdraw their deposited premiums so that they can purchase property. Furthermore, the Tapera program must be synchronized with the Social Security Agency’s (BPJS) worker housing program, which allows for the withdrawal of up to 30% of a worker’s Retirement Insurance Program (JHT) funds for the purpose of purchasing a property.
Should these two demands be accepted, then workers who have been participating in both Tapera and the BPJS for Workers program for a minimum of 10 years will be able to utilize their deposited funds for the purposes of down payments and installment payments relating to property purchases. It is hoped that when a worker enters retirement, any outstanding installments will have already been paid in full and the workers in question will own their own houses. Obviously, if workers cannot satisfactorily utilize the Tapera program in order to help them with their housing needs, then Mr. Iqbal asserted that the country’s workers would ultimately withdraw their support for the Tapera Bill.
Mr. Iqbal also ventured his opinion as regards the institution which will be responsible for the management of the Tapera program. There are two options on the table regarding this matter, namely incorporating the Tapera program under the BPJS for Workers framework, or – if that’s not possible – then the management of the Tapera program should be delegated to a special institution which has the same public-legal-entity status as the BPJS.
Mr. Iqbal also stated that the social-security insurance scheme adopted under the BPJS for Health program, through which all participants must pay the necessary premiums, despite the fact that only participants requiring medical treatment are allowed to enjoy its benefits, should not apply to the Tapera program. According to Mr. Iqbal, the Tapera program leans more towards a mandatory savings system similar to the JHT and Pension Insurance (JP) programs managed by the BPJS for Workers. Under such mandatory savings schemes, participants can enjoy a range of benefits, dependent on the premiums that they pay.
Mr. Iqbal considers the Tapera program to be a mandatory social-savings program instead of a social-security insurance program for the reason that the government cannot channel funds collected under the Tapera program in order to subsidize low-income citizens who are looking to purchase houses.
If the government really intends to assist low-income citizens to own houses through the Tapera program, Mr. Iqbal suggests, then it should initiate a subsidized housing program instead. Under such a scheme, the government would pay BPJS for Health premiums on behalf of low-income citizens who are participating in the Tapera program.
As for the cultivation of the Tapera funds, Mr. Iqbal suggests that the funds should be invested in instruments closely related to the housing sector, such as land and property. Moreover, the construction of residential property under the Tapera program should be delegated to state-owned enterprises such as Perumnas (the National Housing Company), instead of private companies.
Finally, Mr. Iqbal declared that should the government decide to disregard this worker input, then the country’s labor unions would not hesitate to file for a judicial review, or indeed become an involved party, should another partyfile for such a review with the Constitutional Court.
It is also important to note that Maurin Sitorus, the Director General of Financing for Housing at the Ministry of Public Works and Public Housing has also previously weighed in on this matter, asserting that two institutionswill be established in order to manage the Tapera program.
The first of these institutions will be the Tapera Committee, which will comprise of the Minister of Public Works and Public Housing, the Minister of Finance, the Minister of Employment, and the Financial Services Authority (OJK), as well as a number of professional elements. The second institution will be the Tapera Management Agency (BP Tapera), which is to comprise of four commissioners and one deputy commissioner elected from a pool of possible professionals. Drawing his case to a conclusion, Mr. Sitorus explained that the professionals appointed to each of the above institutions would likely be stakeholders who are either employers or workers.
As the Draft Bill has now passed into law however, various workers organizations have now set out a number of conditions which they believe should be met. Said Iqbal, President of the Indonesian Workers Union Confederation (KSPI), recently revealed that workers had been providing input into the Tapera program in preparation for it being effectively enforced. This input encompasses payment of the program’s premiums, which are imposed upon both workers and employers.
“We support the Tapera program, but only under certain conditions,” Mr. Iqbal revealed to the press on Tuesday, 1 March 2016 from Jakarta.
Mr. Iqbal demanded that workers who have been participating in the program for a period of ten years should have the right to withdraw their deposited premiums so that they can purchase property. Furthermore, the Tapera program must be synchronized with the Social Security Agency’s (BPJS) worker housing program, which allows for the withdrawal of up to 30% of a worker’s Retirement Insurance Program (JHT) funds for the purpose of purchasing a property.
Should these two demands be accepted, then workers who have been participating in both Tapera and the BPJS for Workers program for a minimum of 10 years will be able to utilize their deposited funds for the purposes of down payments and installment payments relating to property purchases. It is hoped that when a worker enters retirement, any outstanding installments will have already been paid in full and the workers in question will own their own houses. Obviously, if workers cannot satisfactorily utilize the Tapera program in order to help them with their housing needs, then Mr. Iqbal asserted that the country’s workers would ultimately withdraw their support for the Tapera Bill.
Mr. Iqbal also ventured his opinion as regards the institution which will be responsible for the management of the Tapera program. There are two options on the table regarding this matter, namely incorporating the Tapera program under the BPJS for Workers framework, or – if that’s not possible – then the management of the Tapera program should be delegated to a special institution which has the same public-legal-entity status as the BPJS.
Mr. Iqbal also stated that the social-security insurance scheme adopted under the BPJS for Health program, through which all participants must pay the necessary premiums, despite the fact that only participants requiring medical treatment are allowed to enjoy its benefits, should not apply to the Tapera program. According to Mr. Iqbal, the Tapera program leans more towards a mandatory savings system similar to the JHT and Pension Insurance (JP) programs managed by the BPJS for Workers. Under such mandatory savings schemes, participants can enjoy a range of benefits, dependent on the premiums that they pay.
Mr. Iqbal considers the Tapera program to be a mandatory social-savings program instead of a social-security insurance program for the reason that the government cannot channel funds collected under the Tapera program in order to subsidize low-income citizens who are looking to purchase houses.
If the government really intends to assist low-income citizens to own houses through the Tapera program, Mr. Iqbal suggests, then it should initiate a subsidized housing program instead. Under such a scheme, the government would pay BPJS for Health premiums on behalf of low-income citizens who are participating in the Tapera program.
As for the cultivation of the Tapera funds, Mr. Iqbal suggests that the funds should be invested in instruments closely related to the housing sector, such as land and property. Moreover, the construction of residential property under the Tapera program should be delegated to state-owned enterprises such as Perumnas (the National Housing Company), instead of private companies.
Finally, Mr. Iqbal declared that should the government decide to disregard this worker input, then the country’s labor unions would not hesitate to file for a judicial review, or indeed become an involved party, should another partyfile for such a review with the Constitutional Court.
It is also important to note that Maurin Sitorus, the Director General of Financing for Housing at the Ministry of Public Works and Public Housing has also previously weighed in on this matter, asserting that two institutionswill be established in order to manage the Tapera program.
The first of these institutions will be the Tapera Committee, which will comprise of the Minister of Public Works and Public Housing, the Minister of Finance, the Minister of Employment, and the Financial Services Authority (OJK), as well as a number of professional elements. The second institution will be the Tapera Management Agency (BP Tapera), which is to comprise of four commissioners and one deputy commissioner elected from a pool of possible professionals. Drawing his case to a conclusion, Mr. Sitorus explained that the professionals appointed to each of the above institutions would likely be stakeholders who are either employers or workers.
(rfs/sp)