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Ada Pertanyaan? Hubungi Kami Marcell Sihombing, Fitri N. Heriani
Credit Card. Photo by: SGP.
Minister of Finance Regulation No. 39/PMK.03/2016 on Details Relating to Types of Data and Information, as Well as Procedures for the Provision of Data and Information for the Purposes of Taxation, which has become the legal basis for the use of credit-card data for the purposes of taxation, has now been effective for one week. However, many of the country’s credit-card holders remain agitated by the new policy, as they consider the obligation to report credit-card information to the Directorate General of Tax at the Ministry of Finance to be an additional inconvenience and a potential waste of both time and money.
In response to the misgivings of Indonesia’s credit-card holders, Hestu Yoga Saksama, the Director of Counseling, Service, and Public Relations (Direktur Penyuluhan, Pelayanan, dan Hubungan Masyarakat) at the Directorate General of Tax (Direktorat Jenderal Pajak - “Directorate General”), has clarified seven important points which need to be understood as regards the new policy.
Firstly, all reported credit-card data and information is strictly to be used for taxation purposes. Thus the Directorate General intends to uphold its duty to ensure the confidentialityand safety of any information received from other parties.
Secondly, credit-card data and information will be used in order to measure and compare whether the annual tax reports (Surat Pemberitahuan Tahunan pajak) submitted by taxpaying credit-card holders match up with the data held by the government. Provided that credit-card holders submit complete, accurate, and correct reports pertaining to their earnings, and if their credit-card expenditure remains within reasonable limits compared with their earnings, then there should be no problem.
Thirdly, in cases where a credit-card holder’s transactions move beyond the reasonable limits of their incomes, as reported in an annual tax report, but these transactions do not involve their income, for example in the case of purchases for third parties or for office purposes, then tax officials will not automatically use the data for tax purposes.
Fourthly, any imposition of tax must always be preceded by a process of clarification, counseling, and advice regarding the revision of annual tax reports, before the process can move into the realms of tax investigation. In this context, credit-card holders will be given the opportunity to clarify the reasons why their credit-card expenditures have exceeded reasonable limits in relation to their earnings.
Fifthly, credit-card data is just one among hundreds of types of data which must be submitted by some 67 institutions to the Directorate General. The submission of other types of data, such as those which relate to motor-vehicle ownership, construction permits (izin mendirikan bangunan), hotel/restaurant ownership, and various business licenses, has been mandatory over the last few years without any serious problems ever having arisen.
Sixthly, the reporting of credit-card data to tax authorities has been common practice in other countries for a long time now. In fact, Japan and Korea also enforces mandatory reporting for savings and deposit accounts, without there being any negative impact upon their financial and banking sectors. Thus concerns relating to a possible slump in credit-card transactions and utilization over the long term are seen as being totally baseless.
And finally, Indonesia is currently heading into an era of banking and financial transparency in terms of its taxation sector, due to its commitment to implement an automatic exchange-of-information regime by 2018. When this era is inaugurated, the reporting of financial-transaction datato taxation authorities will become common practice.
“The current controversy regarding the mandatory reporting of credit-card data to the Directorate General represents a learning opportunity for all parties, who should be looking to consciously and willingly abide by their tax obligations in preparation for the upcoming era of banking and financial transparency,” concluded Mr. Saksama during a press conference which was held at the Directorate General’s Central Office on Tuesday, 7 June 2016.
In response to the misgivings of Indonesia’s credit-card holders, Hestu Yoga Saksama, the Director of Counseling, Service, and Public Relations (Direktur Penyuluhan, Pelayanan, dan Hubungan Masyarakat) at the Directorate General of Tax (Direktorat Jenderal Pajak - “Directorate General”), has clarified seven important points which need to be understood as regards the new policy.
Firstly, all reported credit-card data and information is strictly to be used for taxation purposes. Thus the Directorate General intends to uphold its duty to ensure the confidentialityand safety of any information received from other parties.
Secondly, credit-card data and information will be used in order to measure and compare whether the annual tax reports (Surat Pemberitahuan Tahunan pajak) submitted by taxpaying credit-card holders match up with the data held by the government. Provided that credit-card holders submit complete, accurate, and correct reports pertaining to their earnings, and if their credit-card expenditure remains within reasonable limits compared with their earnings, then there should be no problem.
Thirdly, in cases where a credit-card holder’s transactions move beyond the reasonable limits of their incomes, as reported in an annual tax report, but these transactions do not involve their income, for example in the case of purchases for third parties or for office purposes, then tax officials will not automatically use the data for tax purposes.
Fourthly, any imposition of tax must always be preceded by a process of clarification, counseling, and advice regarding the revision of annual tax reports, before the process can move into the realms of tax investigation. In this context, credit-card holders will be given the opportunity to clarify the reasons why their credit-card expenditures have exceeded reasonable limits in relation to their earnings.
Fifthly, credit-card data is just one among hundreds of types of data which must be submitted by some 67 institutions to the Directorate General. The submission of other types of data, such as those which relate to motor-vehicle ownership, construction permits (izin mendirikan bangunan), hotel/restaurant ownership, and various business licenses, has been mandatory over the last few years without any serious problems ever having arisen.
Sixthly, the reporting of credit-card data to tax authorities has been common practice in other countries for a long time now. In fact, Japan and Korea also enforces mandatory reporting for savings and deposit accounts, without there being any negative impact upon their financial and banking sectors. Thus concerns relating to a possible slump in credit-card transactions and utilization over the long term are seen as being totally baseless.
And finally, Indonesia is currently heading into an era of banking and financial transparency in terms of its taxation sector, due to its commitment to implement an automatic exchange-of-information regime by 2018. When this era is inaugurated, the reporting of financial-transaction datato taxation authorities will become common practice.
“The current controversy regarding the mandatory reporting of credit-card data to the Directorate General represents a learning opportunity for all parties, who should be looking to consciously and willingly abide by their tax obligations in preparation for the upcoming era of banking and financial transparency,” concluded Mr. Saksama during a press conference which was held at the Directorate General’s Central Office on Tuesday, 7 June 2016.
(hs/sp)
Marcell Sihombing, Fitri N. Heriani
Credit Card. Photo by: SGP.
Minister of Finance Regulation No. 39/PMK.03/2016 on Details Relating to Types of Data and Information, as Well as Procedures for the Provision of Data and Information for the Purposes of Taxation, which has become the legal basis for the use of credit-card data for the purposes of taxation, has now been effective for one week. However, many of the country’s credit-card holders remain agitated by the new policy, as they consider the obligation to report credit-card information to the Directorate General of Tax at the Ministry of Finance to be an additional inconvenience and a potential waste of both time and money.
In response to the misgivings of Indonesia’s credit-card holders, Hestu Yoga Saksama, the Director of Counseling, Service, and Public Relations (Direktur Penyuluhan, Pelayanan, dan Hubungan Masyarakat) at the Directorate General of Tax (Direktorat Jenderal Pajak - “Directorate General”), has clarified seven important points which need to be understood as regards the new policy.
Firstly, all reported credit-card data and information is strictly to be used for taxation purposes. Thus the Directorate General intends to uphold its duty to ensure the confidentialityand safety of any information received from other parties.
Secondly, credit-card data and information will be used in order to measure and compare whether the annual tax reports (Surat Pemberitahuan Tahunan pajak) submitted by taxpaying credit-card holders match up with the data held by the government. Provided that credit-card holders submit complete, accurate, and correct reports pertaining to their earnings, and if their credit-card expenditure remains within reasonable limits compared with their earnings, then there should be no problem.
Thirdly, in cases where a credit-card holder’s transactions move beyond the reasonable limits of their incomes, as reported in an annual tax report, but these transactions do not involve their income, for example in the case of purchases for third parties or for office purposes, then tax officials will not automatically use the data for tax purposes.
Fourthly, any imposition of tax must always be preceded by a process of clarification, counseling, and advice regarding the revision of annual tax reports, before the process can move into the realms of tax investigation. In this context, credit-card holders will be given the opportunity to clarify the reasons why their credit-card expenditures have exceeded reasonable limits in relation to their earnings.
Fifthly, credit-card data is just one among hundreds of types of data which must be submitted by some 67 institutions to the Directorate General. The submission of other types of data, such as those which relate to motor-vehicle ownership, construction permits (izin mendirikan bangunan), hotel/restaurant ownership, and various business licenses, has been mandatory over the last few years without any serious problems ever having arisen.
Sixthly, the reporting of credit-card data to tax authorities has been common practice in other countries for a long time now. In fact, Japan and Korea also enforces mandatory reporting for savings and deposit accounts, without there being any negative impact upon their financial and banking sectors. Thus concerns relating to a possible slump in credit-card transactions and utilization over the long term are seen as being totally baseless.
And finally, Indonesia is currently heading into an era of banking and financial transparency in terms of its taxation sector, due to its commitment to implement an automatic exchange-of-information regime by 2018. When this era is inaugurated, the reporting of financial-transaction datato taxation authorities will become common practice.
“The current controversy regarding the mandatory reporting of credit-card data to the Directorate General represents a learning opportunity for all parties, who should be looking to consciously and willingly abide by their tax obligations in preparation for the upcoming era of banking and financial transparency,” concluded Mr. Saksama during a press conference which was held at the Directorate General’s Central Office on Tuesday, 7 June 2016.
In response to the misgivings of Indonesia’s credit-card holders, Hestu Yoga Saksama, the Director of Counseling, Service, and Public Relations (Direktur Penyuluhan, Pelayanan, dan Hubungan Masyarakat) at the Directorate General of Tax (Direktorat Jenderal Pajak - “Directorate General”), has clarified seven important points which need to be understood as regards the new policy.
Firstly, all reported credit-card data and information is strictly to be used for taxation purposes. Thus the Directorate General intends to uphold its duty to ensure the confidentialityand safety of any information received from other parties.
Secondly, credit-card data and information will be used in order to measure and compare whether the annual tax reports (Surat Pemberitahuan Tahunan pajak) submitted by taxpaying credit-card holders match up with the data held by the government. Provided that credit-card holders submit complete, accurate, and correct reports pertaining to their earnings, and if their credit-card expenditure remains within reasonable limits compared with their earnings, then there should be no problem.
Thirdly, in cases where a credit-card holder’s transactions move beyond the reasonable limits of their incomes, as reported in an annual tax report, but these transactions do not involve their income, for example in the case of purchases for third parties or for office purposes, then tax officials will not automatically use the data for tax purposes.
Fourthly, any imposition of tax must always be preceded by a process of clarification, counseling, and advice regarding the revision of annual tax reports, before the process can move into the realms of tax investigation. In this context, credit-card holders will be given the opportunity to clarify the reasons why their credit-card expenditures have exceeded reasonable limits in relation to their earnings.
Fifthly, credit-card data is just one among hundreds of types of data which must be submitted by some 67 institutions to the Directorate General. The submission of other types of data, such as those which relate to motor-vehicle ownership, construction permits (izin mendirikan bangunan), hotel/restaurant ownership, and various business licenses, has been mandatory over the last few years without any serious problems ever having arisen.
Sixthly, the reporting of credit-card data to tax authorities has been common practice in other countries for a long time now. In fact, Japan and Korea also enforces mandatory reporting for savings and deposit accounts, without there being any negative impact upon their financial and banking sectors. Thus concerns relating to a possible slump in credit-card transactions and utilization over the long term are seen as being totally baseless.
And finally, Indonesia is currently heading into an era of banking and financial transparency in terms of its taxation sector, due to its commitment to implement an automatic exchange-of-information regime by 2018. When this era is inaugurated, the reporting of financial-transaction datato taxation authorities will become common practice.
“The current controversy regarding the mandatory reporting of credit-card data to the Directorate General represents a learning opportunity for all parties, who should be looking to consciously and willingly abide by their tax obligations in preparation for the upcoming era of banking and financial transparency,” concluded Mr. Saksama during a press conference which was held at the Directorate General’s Central Office on Tuesday, 7 June 2016.
(hs/sp)